ZIP 95466 Insurance Data

Data Snapshot: ZIP 95466 (Philo, CA)

ZIP 95466 (Philo, CA) shows an average homeowners insurance premium of $3,094 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 74% above the national average of $1,776 per year, placing this ZIP in the 95th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 66% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 6.94% in this ZIP, a rise of 801.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95466 have risen by 77.9%, ranging from $1,739 to $3,094 with a five-year average of $2,246 — an annualized rate of +15.5% 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.