ZIP 69154 Insurance Data

Data Snapshot: ZIP 69154 (Oshkosh, NE)

ZIP 69154 (Oshkosh, NE) shows an average homeowners insurance premium of $1,916 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 8% above the national average of $1,776 per year, placing this ZIP in the 72th percentile nationally. Compared to the Nebraska state average of $2,473, this ZIP runs 23% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 69154 is 4.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.48%, and the average claim severity (amount paid per claim) is $3,521. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.97% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 69154 have fallen by 20.1%, ranging from $1,901 to $2,399 with a five-year average of $2,032 — an annualized rate of -5.5% 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.