ZIP 70570 Insurance Data

Data Snapshot: ZIP 70570 (Opelousas, LA)

ZIP 70570 (Opelousas, LA) shows an average homeowners insurance premium of $2,277 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 86 reported policies. That is 28% above the national average of $1,776 per year, placing this ZIP in the 84th percentile nationally. Compared to the Louisiana state average of $2,539, this ZIP runs 10% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 70570 is 24.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.68%, and the average claim severity (amount paid per claim) is $15,004. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.93% in this ZIP, a rise of 83.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 70570 have risen by 15.3%, ranging from $1,975 to $2,277 with a five-year average of $2,087 — an annualized rate of +3.6% 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.