ZIP 54235 Insurance Data

Data Snapshot: ZIP 54235 (Sturgeon Bay, WI)

ZIP 54235 (Sturgeon Bay, WI) shows an average homeowners insurance premium of $1,068 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 34 reported policies. That is 40% below the national average of $1,776 per year, placing this ZIP in the 12th percentile nationally. Compared to the Wisconsin state average of $1,224, this ZIP runs 13% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 54235 is 25.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.66%, and the average claim severity (amount paid per claim) is $10,301. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.44% in this ZIP, a rise of 1.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 54235 have fallen by 2.3%, ranging from $1,068 to $1,112 with a five-year average of $1,091 — an annualized rate of -0.6% 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.