ZIP 89003 Insurance Data

Data Snapshot: ZIP 89003 (Beatty, NV)

ZIP 89003 (Beatty, NV) shows an average homeowners insurance premium of $863 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 51% below the national average of $1,776 per year, placing this ZIP in the 1th percentile nationally. Compared to the Nevada state average of $1,253, this ZIP runs 31% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 89003 is 590.8%, 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 5.32%, and the average claim severity (amount paid per claim) is $95,853. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.06% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 89003 have fallen by 4.9%, ranging from $791 to $908 with a five-year average of $854 — an annualized rate of -1.3% 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.