ZIP 96084 Insurance Data

Data Snapshot: ZIP 96084 (Round Mountain, CA)

ZIP 96084 (Round Mountain, CA) shows an average homeowners insurance premium of $2,763 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 56% above the national average of $1,776 per year, placing this ZIP in the 93th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 48% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 96084 is 94.6%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 6.25%, and the average claim severity (amount paid per claim) is $41,839.

Across 5 years (2018–2022), premiums in ZIP 96084 have risen by 57.1%, ranging from $1,759 to $2,763 with a five-year average of $2,186 — an annualized rate of +11.9% 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.