ZIP 93615 Insurance Data

Data Snapshot: ZIP 93615 (Cutler, CA)

ZIP 93615 (Cutler, CA) shows an average homeowners insurance premium of $981 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 139 reported policies. That is 45% below the national average of $1,776 per year, placing this ZIP in the 6th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 47% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 93615 is 99.7%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 4.10%, and the average claim severity (amount paid per claim) is $23,861. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.68% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 93615 have risen by 8.9%, ranging from $901 to $981 with a five-year average of $945 — an annualized rate of +2.1% 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.