ZIP 85208 Insurance Data

Data Snapshot: ZIP 85208 (Mesa, AZ)

ZIP 85208 (Mesa, AZ) shows an average homeowners insurance premium of $927 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,494 reported policies. That is 48% below the national average of $1,776 per year, placing this ZIP in the 3th percentile nationally. Compared to the Arizona state average of $1,226, this ZIP runs 24% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 85208 is 74.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 7.25%, and the average claim severity (amount paid per claim) is $9,487. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.58% in this ZIP, a rise of 139.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 85208 have risen by 13.2%, ranging from $819 to $927 with a five-year average of $866 — an annualized rate of +3.1% 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.