ZIP 25837 Insurance Data

Data Snapshot: ZIP 25837 (Edmond, WV)

ZIP 25837 (Edmond, WV) shows an average homeowners insurance premium of $1,134 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 27 reported policies. That is 36% below the national average of $1,776 per year, placing this ZIP in the 18th percentile nationally. Compared to the West Virginia state average of $1,167, this ZIP runs 3% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 25837 is 18.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.08%, and the average claim severity (amount paid per claim) is $4,220.

Across 5 years (2018–2022), premiums in ZIP 25837 have fallen by 7.2%, ranging from $1,134 to $1,260 with a five-year average of $1,208 — an annualized rate of -1.8% 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.