ZIP 24920 Insurance Data

Data Snapshot: ZIP 24920 (Bartow, WV)

ZIP 24920 (Bartow, WV) shows an average homeowners insurance premium of $983 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 45% below the national average of $1,776 per year, placing this ZIP in the 6th percentile nationally. Compared to the West Virginia state average of $1,167, this ZIP runs 16% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 24920 is 13.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.49%, and the average claim severity (amount paid per claim) is $8,749.

Across 5 years (2018–2022), premiums in ZIP 24920 have risen by 1.0%, ranging from $972 to $1,012 with a five-year average of $989 — an annualized rate of +0.3% 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.