ZIP 25832 Insurance Data

Data Snapshot: ZIP 25832 (Daniels, WV)

ZIP 25832 (Daniels, WV) shows an average homeowners insurance premium of $1,553 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 128 reported policies. That is 13% below the national average of $1,776 per year, placing this ZIP in the 50th percentile nationally. Compared to the West Virginia state average of $1,167, this ZIP runs 33% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 25832 is 90.9%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 2.97%, and the average claim severity (amount paid per claim) is $47,517. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.86% in this ZIP, a rise of 150.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 25832 have fallen by 8.5%, ranging from $1,553 to $1,698 with a five-year average of $1,610 — an annualized rate of -2.2% 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.