ZIP 58367 Insurance Data

Data Snapshot: ZIP 58367 (Rolla, ND)

ZIP 58367 (Rolla, ND) shows an average homeowners insurance premium of $1,750 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 5 reported policies. That is 1% below the national average of $1,776 per year, placing this ZIP in the 63th percentile nationally. Compared to the North Dakota state average of $1,954, this ZIP runs 10% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 58367 is 87.4%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 8.60%, and the average claim severity (amount paid per claim) is $17,779. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.15% in this ZIP, a rise of 102.2% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 58367 have risen by 6.0%, ranging from $1,642 to $1,750 with a five-year average of $1,700 — an annualized rate of +1.5% 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.