ZIP 57730 Insurance Data

Data Snapshot: ZIP 57730 (Custer, SD)

ZIP 57730 (Custer, SD) shows an average homeowners insurance premium of $2,283 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 29% above the national average of $1,776 per year, placing this ZIP in the 84th percentile nationally. Compared to the South Dakota state average of $1,854, this ZIP runs 23% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 57730 is 91.3%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 7.99%, and the average claim severity (amount paid per claim) is $26,102. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.95% in this ZIP, a rise of 118.0% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 57730 have risen by 19.4%, ranging from $1,899 to $2,283 with a five-year average of $2,056 — an annualized rate of +4.5% 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.