ZIP 68876 Insurance Data

Data Snapshot: ZIP 68876 (Shelton, NE)

ZIP 68876 (Shelton, NE) shows an average homeowners insurance premium of $2,538 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 6 reported policies. That is 43% above the national average of $1,776 per year, placing this ZIP in the 90th percentile nationally. Compared to the Nebraska state average of $2,473, this ZIP runs 3% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 68876 is 773.6%, 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 79.29%, and the average claim severity (amount paid per claim) is $24,759. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.02% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 68876 have risen by 4.1%, ranging from $2,432 to $2,538 with a five-year average of $2,488 — an annualized rate of +1.0% 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.