ZIP 69044 Insurance Data

Data Snapshot: ZIP 69044 (Trenton, NE)

ZIP 69044 (Trenton, NE) shows an average homeowners insurance premium of $1,632 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 8% below the national average of $1,776 per year, placing this ZIP in the 56th percentile nationally. Compared to the Nebraska state average of $2,473, this ZIP runs 34% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 69044 is 43.8%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.62%, and the average claim severity (amount paid per claim) is $10,804. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.65% in this ZIP, a drop of 31.1% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 69044 have fallen by 30.4%, ranging from $1,632 to $2,343 with a five-year average of $1,912 — an annualized rate of -8.6% 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.