ZIP 95351 Insurance Data

Data Snapshot: ZIP 95351 (Modesto, CA)

ZIP 95351 (Modesto, CA) shows an average homeowners insurance premium of $1,013 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2,019 reported policies. That is 43% below the national average of $1,776 per year, placing this ZIP in the 8th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 46% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 95351 is 57.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.76%, and the average claim severity (amount paid per claim) is $21,071. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.02% in this ZIP, a rise of 42.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95351 have risen by 16.7%, ranging from $868 to $1,013 with a five-year average of $938 — an annualized rate of +3.9% 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.