ZIP 45868 Insurance Data

Data Snapshot: ZIP 45868 (Mount Cory, OH)

ZIP 45868 (Mount Cory, OH) shows an average homeowners insurance premium of $1,438 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 14 reported policies. That is 19% below the national average of $1,776 per year, placing this ZIP in the 42th percentile nationally. Compared to the Ohio state average of $1,263, this ZIP runs 14% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 45868 is 205.1%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 4.88%, and the average claim severity (amount paid per claim) is $60,437.

Across 5 years (2018–2022), premiums in ZIP 45868 have risen by 5.9%, ranging from $1,290 to $1,438 with a five-year average of $1,364 — 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.