ZIP 85614 Insurance Data

Data Snapshot: ZIP 85614 (Green Valley, AZ)

ZIP 85614 (Green Valley, AZ) shows an average homeowners insurance premium of $741 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 62 reported policies. That is 58% below the national average of $1,776 per year, placing this ZIP in the 0th percentile nationally. Compared to the Arizona state average of $1,226, this ZIP runs 40% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 85614 is 129.2%, 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 9.73%, and the average claim severity (amount paid per claim) is $9,841. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.76% in this ZIP, a rise of 35.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 85614 have risen by 7.5%, ranging from $641 to $741 with a five-year average of $695 — an annualized rate of +1.8% 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.