ZIP 51338 Insurance Data

Data Snapshot: ZIP 51338 (Everly, IA)

ZIP 51338 (Everly, IA) shows an average homeowners insurance premium of $1,632 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 5 reported policies. That is 8% below the national average of $1,776 per year, placing this ZIP in the 56th percentile nationally. Compared to the Iowa state average of $1,629, this ZIP runs 0% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 51338 is 3.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.23%, and the average claim severity (amount paid per claim) is $4,488. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.70% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 51338 have risen by 12.4%, ranging from $1,427 to $1,632 with a five-year average of $1,496 — an annualized rate of +3.0% 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.