ZIP 43759 Insurance Data

Data Snapshot: ZIP 43759 (Morristown, OH)

ZIP 43759 (Morristown, OH) shows an average homeowners insurance premium of $1,075 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 182 reported policies. That is 39% below the national average of $1,776 per year, placing this ZIP in the 13th percentile nationally. Compared to the Ohio state average of $1,263, this ZIP runs 15% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 43759 is 6.8%, meaning insurers retained a working margin after claims.

Across 5 years (2018–2022), premiums in ZIP 43759 have risen by 5.7%, ranging from $995 to $1,075 with a five-year average of $1,036 — 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.