ZIP 46374 Insurance Data

Data Snapshot: ZIP 46374 (San Pierre, IN)

ZIP 46374 (San Pierre, IN) shows an average homeowners insurance premium of $1,535 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 10 reported policies. That is 14% below the national average of $1,776 per year, placing this ZIP in the 49th percentile nationally. Compared to the Indiana state average of $1,481, this ZIP runs 4% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 46374 is 96.2%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 8.33%, and the average claim severity (amount paid per claim) is $17,714. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.19% in this ZIP, a drop of 11.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 46374 have risen by 6.4%, ranging from $1,442 to $1,559 with a five-year average of $1,492 — an annualized rate of +1.6% 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.