ZIP 85927 Insurance Data

Data Snapshot: ZIP 85927 (Greer, AZ)

ZIP 85927 (Greer, AZ) shows an average homeowners insurance premium of $1,944 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 9% above the national average of $1,776 per year, placing this ZIP in the 73th percentile nationally. Compared to the Arizona state average of $1,226, this ZIP runs 59% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 85927 is 8.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.04%, and the average claim severity (amount paid per claim) is $14,888. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 4.17% in this ZIP, a rise of 370.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 85927 have risen by 14.7%, ranging from $1,695 to $1,944 with a five-year average of $1,809 — an annualized rate of +3.5% 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.