ZIP 96057 Insurance Data

Data Snapshot: ZIP 96057 (Mccloud, CA)

ZIP 96057 (Mccloud, CA) shows an average homeowners insurance premium of $2,372 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 34% above the national average of $1,776 per year, placing this ZIP in the 86th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 27% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 96057 is 16.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.96%, and the average claim severity (amount paid per claim) is $19,666. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.75% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 96057 have risen by 44.0%, ranging from $1,647 to $2,372 with a five-year average of $2,032 — an annualized rate of +9.6% 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.