ZIP 57268 Insurance Data

Data Snapshot: ZIP 57268 (Toronto, SD)

ZIP 57268 (Toronto, SD) shows an average homeowners insurance premium of $1,964 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 11% above the national average of $1,776 per year, placing this ZIP in the 74th percentile nationally. Compared to the South Dakota state average of $1,854, this ZIP runs 6% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 57268 is 327.9%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 50.00%, and the average claim severity (amount paid per claim) is $12,878. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.57% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 57268 have risen by 15.9%, ranging from $1,694 to $1,964 with a five-year average of $1,810 — an annualized rate of +3.8% 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.