ZIP 26378 Insurance Data

Data Snapshot: ZIP 26378 (Jane Lew, WV)

ZIP 26378 (Jane Lew, WV) shows an average homeowners insurance premium of $1,095 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 23 reported policies. That is 38% below the national average of $1,776 per year, placing this ZIP in the 15th percentile nationally. Compared to the West Virginia state average of $1,167, this ZIP runs 6% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 26378 is 118.9%, 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 2.32%, and the average claim severity (amount paid per claim) is $56,019. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.35% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 26378 have fallen by 4.0%, ranging from $1,095 to $1,159 with a five-year average of $1,136 — an annualized rate of -1.0% 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.