ZIP 81233 Insurance Data

Data Snapshot: ZIP 81233 (Howard, CO)

ZIP 81233 (Howard, CO) shows an average homeowners insurance premium of $2,091 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 18% above the national average of $1,776 per year, placing this ZIP in the 79th percentile nationally. Compared to the Colorado state average of $2,591, this ZIP runs 19% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 81233 is 49.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.75%, and the average claim severity (amount paid per claim) is $21,958. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.56% in this ZIP, a drop of 38.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 81233 have risen by 18.0%, ranging from $1,773 to $2,091 with a five-year average of $1,937 — an annualized rate of +4.2% 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.