ZIP 74533 Insurance Data

Data Snapshot: ZIP 74533 (Caney, OK)

ZIP 74533 (Caney, OK) shows an average homeowners insurance premium of $2,194 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 7 reported policies. That is 24% above the national average of $1,776 per year, placing this ZIP in the 82th percentile nationally. Compared to the Oklahoma state average of $2,622, this ZIP runs 16% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 74533 is 1.7%, meaning insurers retained a working margin after claims. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.37% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 74533 have fallen by 1.6%, ranging from $2,062 to $2,231 with a five-year average of $2,154 — an annualized rate of -0.4% 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.