ZIP 68810 Insurance Data

Data Snapshot: ZIP 68810 (Alda, NE)

ZIP 68810 (Alda, NE) shows an average homeowners insurance premium of $2,507 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 22 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 68810 is 178.3%, 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 17.35%, and the average claim severity (amount paid per claim) is $25,765.

Across 5 years (2018–2022), premiums in ZIP 68810 have risen by 9.6%, ranging from $2,234 to $2,507 with a five-year average of $2,325 — an annualized rate of +2.3% 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.