ZIP 72951 Insurance Data

Data Snapshot: ZIP 72951 (Ratcliff, AR)

ZIP 72951 (Ratcliff, AR) shows an average homeowners insurance premium of $1,499 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 22 reported policies. That is 16% below the national average of $1,776 per year, placing this ZIP in the 46th percentile nationally. Compared to the Arkansas state average of $1,736, this ZIP runs 14% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 72951 is 63.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 7.43%, and the average claim severity (amount paid per claim) is $12,834.

Across 5 years (2018–2022), premiums in ZIP 72951 have fallen by 7.8%, ranging from $1,473 to $1,625 with a five-year average of $1,524 — an annualized rate of -2.0% 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.