ZIP 95528 Insurance Data

Data Snapshot: ZIP 95528 (Carlotta, CA)

ZIP 95528 (Carlotta, CA) shows an average homeowners insurance premium of $1,703 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 4 reported policies. That is 4% below the national average of $1,776 per year, placing this ZIP in the 61th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 9% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 95528 is 111.5%, 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 1.89%, and the average claim severity (amount paid per claim) is $100,675. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.42% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95528 have risen by 53.5%, ranging from $1,109 to $1,703 with a five-year average of $1,344 — an annualized rate of +11.3% 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.