ZIP 86338 Insurance Data

Data Snapshot: ZIP 86338 (Skull Valley, AZ)

ZIP 86338 (Skull Valley, AZ) shows an average homeowners insurance premium of $1,664 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 6% below the national average of $1,776 per year, placing this ZIP in the 58th percentile nationally. Compared to the Arizona state average of $1,226, this ZIP runs 36% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 86338 is 12.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.23%, and the average claim severity (amount paid per claim) is $6,375.

Across 5 years (2018–2022), premiums in ZIP 86338 have risen by 16.9%, ranging from $1,423 to $1,741 with a five-year average of $1,599 — 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.