ZIP 23079 Insurance Data

Data Snapshot: ZIP 23079 (Jamaica, VA)

ZIP 23079 (Jamaica, VA) shows an average homeowners insurance premium of $1,525 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 8 reported policies. That is 14% below the national average of $1,776 per year, placing this ZIP in the 48th percentile nationally. Compared to the Virginia state average of $1,369, this ZIP runs 11% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 23079 is 1.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.89%, and the average claim severity (amount paid per claim) is $2,518.

Across 5 years (2018–2022), premiums in ZIP 23079 have fallen by 0.9%, ranging from $1,518 to $1,539 with a five-year average of $1,526 — an annualized rate of -0.2% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.