ZIP 52141 Insurance Data

Data Snapshot: ZIP 52141 (Elgin, IA)

ZIP 52141 (Elgin, IA) shows an average homeowners insurance premium of $1,488 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 6 reported policies. That is 16% below the national average of $1,776 per year, placing this ZIP in the 45th percentile nationally. Compared to the Iowa state average of $1,629, this ZIP runs 9% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.66% in this ZIP, a drop of 49.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 52141 have risen by 9.6%, ranging from $1,357 to $1,514 with a five-year average of $1,434 — an annualized rate of +2.3% 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.