ZIP 83278 Insurance Data

Data Snapshot: ZIP 83278 (Stanley, ID)

ZIP 83278 (Stanley, ID) shows an average homeowners insurance premium of $2,967 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 67% above the national average of $1,776 per year, placing this ZIP in the 94th percentile nationally. Compared to the Idaho state average of $1,321, this ZIP runs 125% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 83278 is 157.7%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 1.38%, and the average claim severity (amount paid per claim) is $338,534. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.30% in this ZIP, a rise of 312.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 83278 have risen by 14.1%, ranging from $2,600 to $3,102 with a five-year average of $2,889 — an annualized rate of +3.4% 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.