ZIP 89034 Insurance Data

Data Snapshot: ZIP 89034

ZIP 89034 in shows an average homeowners insurance premium of $632 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 64% below the national average of $1,776 per year, placing this ZIP in the 0th percentile nationally.

The loss ratio for ZIP 89034 is 18.8%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.79%, and the average claim severity (amount paid per claim) is $15,109. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.31% in this ZIP, a rise of 25.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 89034 have risen by 3.2%, ranging from $613 to $632 with a five-year average of $623 — an annualized rate of +0.8% 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.