ZIP 67451 Insurance Data

Data Snapshot: ZIP 67451 (Hope, KS)

ZIP 67451 (Hope, KS) shows an average homeowners insurance premium of $2,154 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 21% above the national average of $1,776 per year, placing this ZIP in the 81th percentile nationally. Compared to the Kansas state average of $2,350, this ZIP runs 8% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 67451 is 145.0%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 14.29%, and the average claim severity (amount paid per claim) is $21,864.

Across 5 years (2018–2022), premiums in ZIP 67451 have risen by 24.2%, ranging from $1,734 to $2,218 with a five-year average of $2,049 — an annualized rate of +5.6% 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.