ZIP 40445 Insurance Data

Data Snapshot: ZIP 40445 (Livingston, KY)

ZIP 40445 (Livingston, KY) shows an average homeowners insurance premium of $1,329 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 8 reported policies. That is 25% below the national average of $1,776 per year, placing this ZIP in the 34th percentile nationally. Compared to the Kentucky state average of $1,557, this ZIP runs 15% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 40445 is 351.6%, 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 3.13%, and the average claim severity (amount paid per claim) is $149,548. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.56% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 40445 have fallen by 7.3%, ranging from $1,324 to $1,525 with a five-year average of $1,392 — an annualized rate of -1.9% 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.