ZIP 95638 Insurance Data

Data Snapshot: ZIP 95638 (Herald, CA)

ZIP 95638 (Herald, CA) shows an average homeowners insurance premium of $1,939 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 11 reported policies. That is 9% above the national average of $1,776 per year, placing this ZIP in the 73th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 4% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 95638 is 32.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.78%, and the average claim severity (amount paid per claim) is $13,001. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.21% in this ZIP, a drop of 56.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95638 have risen by 34.9%, ranging from $1,438 to $1,939 with a five-year average of $1,643 — an annualized rate of +7.8% 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.