ZIP 74349 Insurance Data

Data Snapshot: ZIP 74349 (Ketchum, OK)

ZIP 74349 (Ketchum, OK) shows an average homeowners insurance premium of $3,038 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 88 reported policies. That is 71% above the national average of $1,776 per year, placing this ZIP in the 95th percentile nationally. Compared to the Oklahoma state average of $2,622, this ZIP runs 16% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 74349 is 3.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.03%, and the average claim severity (amount paid per claim) is $9,046.

Across 5 years (2018–2022), premiums in ZIP 74349 have fallen by 2.4%, ranging from $2,988 to $3,128 with a five-year average of $3,053 — an annualized rate of -0.6% 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.