ZIP 58576 Insurance Data

Data Snapshot: ZIP 58576 (Underwood, ND)

ZIP 58576 (Underwood, ND) shows an average homeowners insurance premium of $2,043 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 15% above the national average of $1,776 per year, placing this ZIP in the 77th percentile nationally. Compared to the North Dakota state average of $1,954, this ZIP runs 5% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 58576 is 7.3%, meaning insurers retained a working margin after claims.

Across 5 years (2018–2022), premiums in ZIP 58576 have risen by 5.5%, ranging from $1,889 to $2,043 with a five-year average of $1,970 — an annualized rate of +1.4% 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.