ZIP 68824 Insurance Data

Data Snapshot: ZIP 68824 (Cairo, NE)

ZIP 68824 (Cairo, NE) shows an average homeowners insurance premium of $2,948 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 5 reported policies. That is 66% above the national average of $1,776 per year, placing this ZIP in the 94th percentile nationally. Compared to the Nebraska state average of $2,473, this ZIP runs 19% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 68824 is 228.0%, 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 32.89%, and the average claim severity (amount paid per claim) is $20,431. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.63% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 68824 have risen by 29.5%, ranging from $2,277 to $2,948 with a five-year average of $2,553 — an annualized rate of +6.7% 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.