ZIP 95039 Insurance Data

Data Snapshot: ZIP 95039 (Moss Landing, CA)

ZIP 95039 (Moss Landing, CA) shows an average homeowners insurance premium of $1,239 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 36 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 95039 is 25.8%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.80%, and the average claim severity (amount paid per claim) is $11,433.

Across 5 years (2018–2022), premiums in ZIP 95039 have risen by 20.6%, ranging from $997 to $1,239 with a five-year average of $1,124 — an annualized rate of +4.8% 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.