ZIP 60091 Insurance Data

Data Snapshot: ZIP 60091 (Wilmette, IL)

ZIP 60091 (Wilmette, IL) shows an average homeowners insurance premium of $2,649 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,949 reported policies. That is 49% above the national average of $1,776 per year, placing this ZIP in the 91th percentile nationally. Compared to the Illinois state average of $1,631, this ZIP runs 62% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 60091 is 27.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.97%, and the average claim severity (amount paid per claim) is $18,047. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.57% in this ZIP, a drop of 53.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 60091 have risen by 8.3%, ranging from $2,447 to $2,649 with a five-year average of $2,563 — an annualized rate of +2.0% 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.