ZIP 91759 Insurance Data

Data Snapshot: ZIP 91759 (Mt Baldy, CA)

ZIP 91759 (Mt Baldy, CA) shows an average homeowners insurance premium of $2,776 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 56% above the national average of $1,776 per year, placing this ZIP in the 93th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 49% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 91759 is 0.0%, meaning insurers retained a working margin after claims. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.05% in this ZIP, a rise of 330.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 91759 have risen by 90.6%, ranging from $1,456 to $2,776 with a five-year average of $1,889 — an annualized rate of +17.5% 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.