ZIP 93238 Insurance Data

Data Snapshot: ZIP 93238 (Kernville, CA)

ZIP 93238 (Kernville, CA) shows an average homeowners insurance premium of $1,921 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 4 reported policies. That is 8% above the national average of $1,776 per year, placing this ZIP in the 72th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 3% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 93238 is 17.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.95%, and the average claim severity (amount paid per claim) is $35,707. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.29% in this ZIP, a rise of 469.1% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 93238 have risen by 39.7%, ranging from $1,374 to $1,921 with a five-year average of $1,602 — an annualized rate of +8.7% 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.