ZIP 73066 Insurance Data

Data Snapshot: ZIP 73066 (Nicoma Park, OK)

ZIP 73066 (Nicoma Park, OK) shows an average homeowners insurance premium of $2,674 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 193 reported policies. That is 51% above the national average of $1,776 per year, placing this ZIP in the 92th percentile nationally. Compared to the Oklahoma state average of $2,622, this ZIP runs 2% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 73066 is 81.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 15.00%, and the average claim severity (amount paid per claim) is $14,454. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.50% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 73066 have fallen by 2.1%, ranging from $2,577 to $2,760 with a five-year average of $2,680 — an annualized rate of -0.5% 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.