ZIP 74546 Insurance Data

Data Snapshot: ZIP 74546 (Haileyville, OK)

ZIP 74546 (Haileyville, OK) shows an average homeowners insurance premium of $2,023 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 200 reported policies. That is 14% above the national average of $1,776 per year, placing this ZIP in the 76th percentile nationally. Compared to the Oklahoma state average of $2,622, this ZIP runs 23% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 74546 is 3.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.47%, and the average claim severity (amount paid per claim) is $5,058.

Across 5 years (2018–2022), premiums in ZIP 74546 have risen by 10.5%, ranging from $1,830 to $2,023 with a five-year average of $1,940 — an annualized rate of +2.5% 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.