ZIP 95328 Insurance Data

Data Snapshot: ZIP 95328 (Keyes, CA)

ZIP 95328 (Keyes, CA) shows an average homeowners insurance premium of $977 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,515 reported policies. That is 45% below the national average of $1,776 per year, placing this ZIP in the 6th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 48% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 95328 is 12.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.32%, and the average claim severity (amount paid per claim) is $9,554. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.79% in this ZIP, a rise of 67.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95328 have risen by 15.7%, ranging from $845 to $977 with a five-year average of $908 — an annualized rate of +3.7% 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.