ZIP 48630 Insurance Data

Data Snapshot: ZIP 48630 (Houghton Lake Heights, MI)

ZIP 48630 (Houghton Lake Heights, MI) shows an average homeowners insurance premium of $669 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 279 reported policies. That is 62% below the national average of $1,776 per year, placing this ZIP in the 0th percentile nationally. Compared to the Michigan state average of $1,233, this ZIP runs 46% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 48630 is 11.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.11%, and the average claim severity (amount paid per claim) is $3,715.

Across 5 years (2018–2022), premiums in ZIP 48630 have risen by 10.7%, ranging from $605 to $669 with a five-year average of $629 — an annualized rate of +2.6% 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.