ZIP 92308 Insurance Data

Data Snapshot: ZIP 92308 (Apple Valley, CA)

ZIP 92308 (Apple Valley, CA) shows an average homeowners insurance premium of $1,298 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 164 reported policies. That is 27% below the national average of $1,776 per year, placing this ZIP in the 31th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 30% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 92308 is 53.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.82%, and the average claim severity (amount paid per claim) is $11,961. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.02% in this ZIP, a rise of 21.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 92308 have risen by 16.2%, ranging from $1,117 to $1,298 with a five-year average of $1,214 — an annualized rate of +3.8% 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.