ZIP 40146 Insurance Data

Data Snapshot: ZIP 40146 (Irvington, KY)

ZIP 40146 (Irvington, KY) shows an average homeowners insurance premium of $1,506 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 17 reported policies. That is 15% below the national average of $1,776 per year, placing this ZIP in the 47th percentile nationally. Compared to the Kentucky state average of $1,557, this ZIP runs 3% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 40146 is 86.8%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 5.91%, and the average claim severity (amount paid per claim) is $22,115. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.39% in this ZIP, a drop of 59.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 40146 have fallen by 1.8%, ranging from $1,471 to $1,533 with a five-year average of $1,497 — an annualized rate of -0.5% 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.