ZIP 73013 Insurance Data

Data Snapshot: ZIP 73013 (Edmond, OK)

ZIP 73013 (Edmond, OK) shows an average homeowners insurance premium of $3,643 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 580 reported policies. That is 105% above the national average of $1,776 per year, placing this ZIP in the 97th percentile nationally. Compared to the Oklahoma state average of $2,622, this ZIP runs 39% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 73013 is 34.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.91%, and the average claim severity (amount paid per claim) is $21,470. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.51% in this ZIP, a rise of 71.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 73013 have fallen by 6.4%, ranging from $3,580 to $3,893 with a five-year average of $3,704 — an annualized rate of -1.6% 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.