ZIP 95064 Insurance Data

Data Snapshot: ZIP 95064 (Santa Cruz, CA)

ZIP 95064 (Santa Cruz, CA) shows an average homeowners insurance premium of $1,589 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,509 reported policies. That is 11% below the national average of $1,776 per year, placing this ZIP in the 53th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 15% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 95064 is 9.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.99%, and the average claim severity (amount paid per claim) is $15,190.

Across 5 years (2018–2022), premiums in ZIP 95064 have risen by 42.0%, ranging from $1,119 to $1,589 with a five-year average of $1,314 — an annualized rate of +9.2% 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.