ZIP 95427 Insurance Data

Data Snapshot: ZIP 95427 (Comptche, CA)

ZIP 95427 (Comptche, CA) shows an average homeowners insurance premium of $3,162 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 78% above the national average of $1,776 per year, placing this ZIP in the 96th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 70% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.02% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95427 have risen by 48.2%, ranging from $2,134 to $3,162 with a five-year average of $2,574 — an annualized rate of +10.3% 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.