ZIP 68307 Insurance Data

Data Snapshot: ZIP 68307 (Avoca, NE)

ZIP 68307 (Avoca, NE) shows an average homeowners insurance premium of $2,496 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 4 reported policies. That is 41% above the national average of $1,776 per year, placing this ZIP in the 89th percentile nationally. Compared to the Nebraska state average of $2,473, this ZIP runs 1% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 68307 is 13.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.71%, and the average claim severity (amount paid per claim) is $6,067.

Across 5 years (2018–2022), premiums in ZIP 68307 have risen by 14.9%, ranging from $2,172 to $2,496 with a five-year average of $2,293 — an annualized rate of +3.5% 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.