ZIP 59826 Insurance Data

Data Snapshot: ZIP 59826 (Condon, MT)

ZIP 59826 (Condon, MT) shows an average homeowners insurance premium of $2,579 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 45% above the national average of $1,776 per year, placing this ZIP in the 90th percentile nationally. Compared to the Montana state average of $1,945, this ZIP runs 33% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 59826 is 55.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.17%, and the average claim severity (amount paid per claim) is $27,681. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.34% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 59826 have risen by 20.7%, ranging from $2,105 to $2,579 with a five-year average of $2,273 — an annualized rate of +4.8% 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.