ZIP 82523 Insurance Data

Data Snapshot: ZIP 82523 (Pavillion, WY)

ZIP 82523 (Pavillion, WY) shows an average homeowners insurance premium of $1,237 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 30% below the national average of $1,776 per year, placing this ZIP in the 26th percentile nationally. Compared to the Wyoming state average of $1,902, this ZIP runs 35% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 82523 is 60.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.97%, and the average claim severity (amount paid per claim) is $25,087. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.99% in this ZIP, a drop of 28.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 82523 have fallen by 5.6%, ranging from $1,176 to $1,373 with a five-year average of $1,265 — 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.