ZIP 95251 Insurance Data

Data Snapshot: ZIP 95251 (Vallecito, CA)

ZIP 95251 (Vallecito, CA) shows an average homeowners insurance premium of $2,184 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 26 reported policies. That is 23% above the national average of $1,776 per year, placing this ZIP in the 81th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 17% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.56% in this ZIP, a rise of 271.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95251 have risen by 32.3%, ranging from $1,651 to $2,184 with a five-year average of $1,834 — an annualized rate of +7.3% 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.