ZIP 68023 Insurance Data

Data Snapshot: ZIP 68023 (Fort Calhoun, NE)

ZIP 68023 (Fort Calhoun, NE) shows an average homeowners insurance premium of $3,275 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 27 reported policies. That is 84% above the national average of $1,776 per year, placing this ZIP in the 96th percentile nationally. Compared to the Nebraska state average of $2,473, this ZIP runs 32% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 68023 is 24.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.45%, and the average claim severity (amount paid per claim) is $18,141. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.13% in this ZIP, a rise of 1411.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 68023 have risen by 18.3%, ranging from $2,768 to $3,275 with a five-year average of $3,013 — an annualized rate of +4.3% 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.