ZIP 57072 Insurance Data

Data Snapshot: ZIP 57072 (Volin, SD)

ZIP 57072 (Volin, SD) shows an average homeowners insurance premium of $1,612 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 9% below the national average of $1,776 per year, placing this ZIP in the 54th percentile nationally. Compared to the South Dakota state average of $1,854, this ZIP runs 13% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 57072 is 80.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 12.05%, and the average claim severity (amount paid per claim) is $10,793.

Across 5 years (2018–2022), premiums in ZIP 57072 have risen by 4.5%, ranging from $1,542 to $1,794 with a five-year average of $1,644 — an annualized rate of +1.1% 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.