ZIP 83815 Insurance Data

Data Snapshot: ZIP 83815 (Coeur D Alene, ID)

ZIP 83815 (Coeur D Alene, ID) shows an average homeowners insurance premium of $1,005 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 739 reported policies. That is 43% below the national average of $1,776 per year, placing this ZIP in the 8th percentile nationally. Compared to the Idaho state average of $1,321, this ZIP runs 24% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 83815 is 44.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.08%, and the average claim severity (amount paid per claim) is $10,943. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.32% in this ZIP, a drop of 36.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 83815 have risen by 11.0%, ranging from $905 to $1,005 with a five-year average of $939 — an annualized rate of +2.6% 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.