ZIP 89001 Insurance Data

Data Snapshot: ZIP 89001 (Alamo, NV)

ZIP 89001 (Alamo, NV) shows an average homeowners insurance premium of $1,276 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 28% below the national average of $1,776 per year, placing this ZIP in the 29th percentile nationally. Compared to the Nevada state average of $1,253, this ZIP runs 2% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 89001 is 38.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.95%, and the average claim severity (amount paid per claim) is $12,555.

Across 5 years (2018–2022), premiums in ZIP 89001 have risen by 28.7%, ranging from $991 to $1,276 with a five-year average of $1,115 — an annualized rate of +6.5% 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.