ZIP 96033 Insurance Data

Data Snapshot: ZIP 96033 (French Gulch, CA)

ZIP 96033 (French Gulch, CA) shows an average homeowners insurance premium of $2,409 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 36% above the national average of $1,776 per year, placing this ZIP in the 87th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 29% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 96033 is 588.0%, 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 7.25%, and the average claim severity (amount paid per claim) is $195,504. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 5.80% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 96033 have risen by 65.0%, ranging from $1,460 to $2,409 with a five-year average of $1,906 — an annualized rate of +13.3% 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.