ZIP 95318 Insurance Data

Data Snapshot: ZIP 95318 (El Portal, CA)

ZIP 95318 (El Portal, CA) shows an average homeowners insurance premium of $2,262 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 5 reported policies. That is 27% above the national average of $1,776 per year, placing this ZIP in the 83th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 21% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 5.88% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95318 have risen by 40.4%, ranging from $1,524 to $2,262 with a five-year average of $1,850 — an annualized rate of +8.8% 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.