ZIP 94027 Insurance Data

Data Snapshot: ZIP 94027 (Atherton, CA)

ZIP 94027 (Atherton, CA) shows an average homeowners insurance premium of $7,901 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 526 reported policies. That is 345% above the national average of $1,776 per year, placing this ZIP in the 99th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 324% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 94027 is 25.8%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.79%, and the average claim severity (amount paid per claim) is $53,786. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.07% in this ZIP, a rise of 158.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 94027 have risen by 15.3%, ranging from $6,855 to $8,139 with a five-year average of $7,574 — an annualized rate of +3.6% 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.