ZIP 59645 Insurance Data

Data Snapshot: ZIP 59645 (White Sulphur Springs, MT)

ZIP 59645 (White Sulphur Springs, MT) shows an average homeowners insurance premium of $2,347 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 32% above the national average of $1,776 per year, placing this ZIP in the 85th percentile nationally. Compared to the Montana state average of $1,945, this ZIP runs 21% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 59645 is 17.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.24%, and the average claim severity (amount paid per claim) is $33,816. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.17% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 59645 have fallen by 2.9%, ranging from $2,127 to $2,416 with a five-year average of $2,266 — an annualized rate of -0.7% 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.