ZIP 95960 Insurance Data

Data Snapshot: ZIP 95960 (North San Juan, CA)

ZIP 95960 (North San Juan, CA) shows an average homeowners insurance premium of $2,455 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 6 reported policies. That is 38% above the national average of $1,776 per year, placing this ZIP in the 88th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 32% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 8.51% in this ZIP, a rise of 317.0% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 95960 have risen by 24.9%, ranging from $1,865 to $2,562 with a five-year average of $2,192 — an annualized rate of +5.7% 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.