ZIP 96037 Insurance Data

Data Snapshot: ZIP 96037 (Greenview, CA)

ZIP 96037 (Greenview, CA) shows an average homeowners insurance premium of $2,059 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 29 reported policies. That is 16% above the national average of $1,776 per year, placing this ZIP in the 77th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 10% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 96037 is 2.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.32%, and the average claim severity (amount paid per claim) is $4,031.

Across 5 years (2018–2022), premiums in ZIP 96037 have risen by 60.6%, ranging from $1,282 to $2,059 with a five-year average of $1,663 — an annualized rate of +12.6% 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.