ZIP 95449 Insurance Data

Data Snapshot: ZIP 95449 (Hopland, CA)

ZIP 95449 (Hopland, CA) shows an average homeowners insurance premium of $2,608 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 4 reported policies. That is 47% above the national average of $1,776 per year, placing this ZIP in the 91th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 40% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 95449 is 213.3%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 1.12%, and the average claim severity (amount paid per claim) is $494,965. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.37% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95449 have risen by 52.1%, ranging from $1,715 to $2,608 with a five-year average of $2,021 — an annualized rate of +11.1% 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.