ZIP 59748 Insurance Data

Data Snapshot: ZIP 59748 (Ramsay, MT)

ZIP 59748 (Ramsay, MT) shows an average homeowners insurance premium of $1,713 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 4 reported policies. That is 4% below the national average of $1,776 per year, placing this ZIP in the 61th percentile nationally. Compared to the Montana state average of $1,945, this ZIP runs 12% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 59748 is 3.6%, meaning insurers retained a working margin after claims. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.06% in this ZIP, a drop of 27.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 59748 have risen by 21.0%, ranging from $1,416 to $1,713 with a five-year average of $1,551 — an annualized rate of +4.9% 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.