ZIP 73092 Insurance Data

Data Snapshot: ZIP 73092 (Verden, OK)

ZIP 73092 (Verden, OK) shows an average homeowners insurance premium of $2,428 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 6 reported policies. That is 37% above the national average of $1,776 per year, placing this ZIP in the 87th percentile nationally. Compared to the Oklahoma state average of $2,622, this ZIP runs 7% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 73092 is 136.3%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 22.67%, and the average claim severity (amount paid per claim) is $14,597.

Across 5 years (2018–2022), premiums in ZIP 73092 have risen by 1.4%, ranging from $2,313 to $2,747 with a five-year average of $2,444 — an annualized rate of +0.3% 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.