ZIP 24818 Insurance Data

Data Snapshot: ZIP 24818 (Brenton, WV)

ZIP 24818 (Brenton, WV) shows an average homeowners insurance premium of $1,189 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 21 reported policies. That is 33% below the national average of $1,776 per year, placing this ZIP in the 22th percentile nationally. Compared to the West Virginia state average of $1,167, this ZIP runs 2% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 24818 is 416.4%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 3.82%, and the average claim severity (amount paid per claim) is $129,725.

Across 5 years (2018–2022), premiums in ZIP 24818 have fallen by 7.7%, ranging from $1,099 to $1,288 with a five-year average of $1,190 — an annualized rate of -2.0% 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.