ZIP 41086 Insurance Data

Data Snapshot: ZIP 41086 (Sparta, KY)

ZIP 41086 (Sparta, KY) shows an average homeowners insurance premium of $1,725 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 16 reported policies. That is 3% below the national average of $1,776 per year, placing this ZIP in the 62th percentile nationally. Compared to the Kentucky state average of $1,557, this ZIP runs 11% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 41086 is 27.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.80%, and the average claim severity (amount paid per claim) is $8,206.

Across 5 years (2018–2022), premiums in ZIP 41086 have fallen by 2.5%, ranging from $1,697 to $1,769 with a five-year average of $1,719 — an annualized rate of -0.6% 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.