ZIP 42259 Insurance Data

Data Snapshot: ZIP 42259 (Mammoth Cave, KY)

ZIP 42259 (Mammoth Cave, KY) shows an average homeowners insurance premium of $1,678 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 15 reported policies. That is 6% below the national average of $1,776 per year, placing this ZIP in the 59th percentile nationally. Compared to the Kentucky state average of $1,557, this ZIP runs 8% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 42259 is 45.8%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.13%, and the average claim severity (amount paid per claim) is $14,994.

Across 5 years (2018–2022), premiums in ZIP 42259 have fallen by 10.4%, ranging from $1,678 to $1,872 with a five-year average of $1,776 — an annualized rate of -2.7% 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.