ZIP 95354 Insurance Data

Data Snapshot: ZIP 95354 (Modesto, CA)

ZIP 95354 (Modesto, CA) shows an average homeowners insurance premium of $1,085 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,343 reported policies. That is 39% below the national average of $1,776 per year, placing this ZIP in the 14th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 42% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 95354 is 33.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.99%, and the average claim severity (amount paid per claim) is $12,305. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.07% in this ZIP, a rise of 44.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95354 have risen by 15.1%, ranging from $943 to $1,085 with a five-year average of $1,018 — an annualized rate of +3.6% 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.