ZIP 54564 Insurance Data

Data Snapshot: ZIP 54564 (Tripoli, WI)

ZIP 54564 (Tripoli, WI) shows an average homeowners insurance premium of $973 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 45% below the national average of $1,776 per year, placing this ZIP in the 6th percentile nationally. Compared to the Wisconsin state average of $1,224, this ZIP runs 20% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 54564 is 20.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.86%, and the average claim severity (amount paid per claim) is $10,737. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.93% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 54564 have risen by 7.9%, ranging from $887 to $973 with a five-year average of $933 — an annualized rate of +1.9% 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.