ZIP 95720 Insurance Data

Data Snapshot: ZIP 95720 (Kyburz, CA)

ZIP 95720 (Kyburz, CA) shows an average homeowners insurance premium of $2,281 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 28% above the national average of $1,776 per year, placing this ZIP in the 84th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 22% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 95720 is 225.4%, 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 4.10%, and the average claim severity (amount paid per claim) is $125,358. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.08% in this ZIP, a rise of 533.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95720 have risen by 54.1%, ranging from $1,481 to $2,281 with a five-year average of $1,796 — an annualized rate of +11.4% 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.