ZIP 25523 Insurance Data

Data Snapshot: ZIP 25523 (Hamlin, WV)

ZIP 25523 (Hamlin, WV) shows an average homeowners insurance premium of $1,221 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 24 reported policies. That is 31% below the national average of $1,776 per year, placing this ZIP in the 25th percentile nationally. Compared to the West Virginia state average of $1,167, this ZIP runs 5% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 25523 is 123.1%, 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 3.46%, and the average claim severity (amount paid per claim) is $43,474.

Across 5 years (2018–2022), premiums in ZIP 25523 have fallen by 4.9%, ranging from $1,167 to $1,291 with a five-year average of $1,243 — an annualized rate of -1.2% 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.