ZIP 45238 Insurance Data

Data Snapshot: ZIP 45238 (Cincinnati, OH)

ZIP 45238 (Cincinnati, OH) shows an average homeowners insurance premium of $1,129 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,755 reported policies. That is 36% below the national average of $1,776 per year, placing this ZIP in the 17th percentile nationally. Compared to the Ohio state average of $1,263, this ZIP runs 11% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 45238 is 46.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.49%, and the average claim severity (amount paid per claim) is $8,103. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.92% in this ZIP, a rise of 32.2% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 45238 have risen by 3.7%, ranging from $1,089 to $1,129 with a five-year average of $1,107 — an annualized rate of +0.9% 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.