ZIP 83814 Insurance Data

Data Snapshot: ZIP 83814 (Coeur D Alene, ID)

ZIP 83814 (Coeur D Alene, ID) shows an average homeowners insurance premium of $1,614 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 45 reported policies. That is 9% below the national average of $1,776 per year, placing this ZIP in the 55th percentile nationally. Compared to the Idaho state average of $1,321, this ZIP runs 22% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 83814 is 49.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.25%, and the average claim severity (amount paid per claim) is $24,334. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.75% in this ZIP, a rise of 51.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 83814 have risen by 12.7%, ranging from $1,431 to $1,614 with a five-year average of $1,516 — an annualized rate of +3.0% 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.