ZIP 57427 Insurance Data

Data Snapshot: ZIP 57427 (Bath, SD)

ZIP 57427 (Bath, SD) shows an average homeowners insurance premium of $1,315 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 4 reported policies. That is 26% below the national average of $1,776 per year, placing this ZIP in the 32th percentile nationally. Compared to the South Dakota state average of $1,854, this ZIP runs 29% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 57427 is 103.9%, 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 1.79%, and the average claim severity (amount paid per claim) is $76,471.

Across 5 years (2018–2022), premiums in ZIP 57427 have fallen by 24.9%, ranging from $1,315 to $2,231 with a five-year average of $1,822 — an annualized rate of -6.9% 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.