ZIP 73932 Insurance Data

Data Snapshot: ZIP 73932 (Beaver, OK)

ZIP 73932 (Beaver, OK) shows an average homeowners insurance premium of $2,761 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 56% above the national average of $1,776 per year, placing this ZIP in the 93th percentile nationally. Compared to the Oklahoma state average of $2,622, this ZIP runs 5% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 73932 is 21.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 8.03%, and the average claim severity (amount paid per claim) is $7,403.

Across 5 years (2018–2022), premiums in ZIP 73932 have fallen by 5.5%, ranging from $2,749 to $2,923 with a five-year average of $2,837 — an annualized rate of -1.4% 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.