ZIP 55992 Insurance Data

Data Snapshot: ZIP 55992 (Zumbrota, MN)

ZIP 55992 (Zumbrota, MN) shows an average homeowners insurance premium of $1,879 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 24 reported policies. That is 6% above the national average of $1,776 per year, placing this ZIP in the 70th percentile nationally. Compared to the Minnesota state average of $1,928, this ZIP runs 3% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 55992 is 69.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 9.16%, and the average claim severity (amount paid per claim) is $14,284.

Across 5 years (2018–2022), premiums in ZIP 55992 have risen by 15.2%, ranging from $1,630 to $1,879 with a five-year average of $1,768 — an annualized rate of +3.6% 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.