ZIP 41268 Insurance Data

Data Snapshot: ZIP 41268 (West Van Lear, KY)

ZIP 41268 (West Van Lear, KY) shows an average homeowners insurance premium of $1,443 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 494 reported policies. That is 19% below the national average of $1,776 per year, placing this ZIP in the 42th percentile nationally. Compared to the Kentucky state average of $1,557, this ZIP runs 7% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 41268 have fallen by 5.4%, ranging from $1,442 to $1,525 with a five-year average of $1,473 — an annualized rate of -1.4% 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.