ZIP 68461 Insurance Data

Data Snapshot: ZIP 68461 (Walton, NE)

ZIP 68461 (Walton, NE) shows an average homeowners insurance premium of $4,434 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 11 reported policies. That is 150% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Nebraska state average of $2,473, this ZIP runs 79% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 68461 is 33.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.77%, and the average claim severity (amount paid per claim) is $38,911.

Across 5 years (2018–2022), premiums in ZIP 68461 have risen by 21.7%, ranging from $3,644 to $4,434 with a five-year average of $4,040 — an annualized rate of +5.0% 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.