ZIP 25265 Insurance Data

Data Snapshot: ZIP 25265 (New Haven, WV)

ZIP 25265 (New Haven, WV) shows an average homeowners insurance premium of $1,241 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 359 reported policies. That is 30% below the national average of $1,776 per year, placing this ZIP in the 27th percentile nationally. Compared to the West Virginia state average of $1,167, this ZIP runs 6% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 25265 is 122.1%, 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 4.66%, and the average claim severity (amount paid per claim) is $32,511.

Across 5 years (2018–2022), premiums in ZIP 25265 have risen by 10.9%, ranging from $1,095 to $1,241 with a five-year average of $1,132 — an annualized rate of +2.6% 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.