ZIP 91786 Insurance Data

Data Snapshot: ZIP 91786 (Upland, CA)

ZIP 91786 (Upland, CA) shows an average homeowners insurance premium of $1,235 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2,206 reported policies. That is 30% below the national average of $1,776 per year, placing this ZIP in the 26th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 34% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 91786 is 92.5%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 9.67%, and the average claim severity (amount paid per claim) is $11,801. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.95% in this ZIP, a rise of 40.2% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 91786 have risen by 14.6%, ranging from $1,078 to $1,235 with a five-year average of $1,158 — an annualized rate of +3.5% 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.