ZIP 84512 Insurance Data

Data Snapshot: ZIP 84512 (Bluff, UT)

ZIP 84512 (Bluff, UT) shows an average homeowners insurance premium of $956 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 46% below the national average of $1,776 per year, placing this ZIP in the 5th percentile nationally. Compared to the Utah state average of $1,132, this ZIP runs 16% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 84512 is 9.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.94%, and the average claim severity (amount paid per claim) is $3,120.

Across 5 years (2018–2022), premiums in ZIP 84512 have risen by 14.5%, ranging from $836 to $956 with a five-year average of $920 — 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.