ZIP 25818 Insurance Data

Data Snapshot: ZIP 25818 (Bradley, WV)

ZIP 25818 (Bradley, WV) shows an average homeowners insurance premium of $967 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 359 reported policies. That is 46% 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 17% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 25818 is 3.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.09%, and the average claim severity (amount paid per claim) is $3,168.

Across 5 years (2018–2022), premiums in ZIP 25818 have fallen by 6.1%, ranging from $967 to $1,058 with a five-year average of $1,002 — an annualized rate of -1.6% 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.