ZIP 67834 Insurance Data

Data Snapshot: ZIP 67834 (Bucklin, KS)

ZIP 67834 (Bucklin, KS) shows an average homeowners insurance premium of $2,460 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 39% above the national average of $1,776 per year, placing this ZIP in the 88th percentile nationally. Compared to the Kansas state average of $2,350, this ZIP runs 5% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 67834 is 257.9%, 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 29.59%, and the average claim severity (amount paid per claim) is $21,439. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 4.08% in this ZIP, a rise of 287.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 67834 have fallen by 1.2%, ranging from $2,405 to $2,490 with a five-year average of $2,451 — an annualized rate of -0.3% 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.