ZIP 45404 Insurance Data

Data Snapshot: ZIP 45404 (Dayton, OH)

ZIP 45404 (Dayton, OH) shows an average homeowners insurance premium of $1,215 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 678 reported policies. That is 32% below the national average of $1,776 per year, placing this ZIP in the 24th percentile nationally. Compared to the Ohio state average of $1,263, this ZIP runs 4% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 45404 is 39.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.71%, and the average claim severity (amount paid per claim) is $10,140. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.65% in this ZIP, a rise of 65.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 45404 have risen by 9.7%, ranging from $1,091 to $1,215 with a five-year average of $1,138 — an annualized rate of +2.4% 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.