ZIP 95494 Insurance Data

Data Snapshot: ZIP 95494 (Yorkville, CA)

ZIP 95494 (Yorkville, CA) shows an average homeowners insurance premium of $4,002 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 125% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 115% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 10.96% in this ZIP, a rise of 557.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95494 have risen by 65.5%, ranging from $2,417 to $4,002 with a five-year average of $3,060 — an annualized rate of +13.4% 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.