ZIP 73150 Insurance Data

Data Snapshot: ZIP 73150 (Oklahoma City, OK)

ZIP 73150 (Oklahoma City, OK) shows an average homeowners insurance premium of $3,708 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 94 reported policies. That is 109% 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 41% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 73150 is 49.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 7.88%, and the average claim severity (amount paid per claim) is $23,104. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.73% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 73150 have risen by 0.1%, ranging from $3,599 to $3,708 with a five-year average of $3,665 — an annualized rate of +0.0% 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.