ZIP 85619 Insurance Data

Data Snapshot: ZIP 85619 (Mount Lemmon, AZ)

ZIP 85619 (Mount Lemmon, AZ) shows an average homeowners insurance premium of $1,502 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 15% below the national average of $1,776 per year, placing this ZIP in the 46th percentile nationally. Compared to the Arizona state average of $1,226, this ZIP runs 22% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 85619 is 2.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.66%, and the average claim severity (amount paid per claim) is $5,091. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.97% in this ZIP, a rise of 470.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 85619 have risen by 16.8%, ranging from $1,258 to $1,502 with a five-year average of $1,368 — an annualized rate of +4.0% 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.