ZIP 45389 Insurance Data

Data Snapshot: ZIP 45389 (Christiansburg, OH)

ZIP 45389 (Christiansburg, OH) shows an average homeowners insurance premium of $1,124 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 624 reported policies. That is 37% 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 45389 is 0.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.89%, and the average claim severity (amount paid per claim) is $867.

Across 5 years (2018–2022), premiums in ZIP 45389 have risen by 14.9%, ranging from $966 to $1,124 with a five-year average of $1,032 — an annualized rate of +3.5% 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.