ZIP 96113 Insurance Data

Data Snapshot: ZIP 96113 (Herlong, CA)

ZIP 96113 (Herlong, CA) shows an average homeowners insurance premium of $1,832 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 56 reported policies. That is 3% above the national average of $1,776 per year, placing this ZIP in the 68th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 2% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 96113 is 34.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.56%, and the average claim severity (amount paid per claim) is $24,914.

Across 5 years (2018–2022), premiums in ZIP 96113 have risen by 47.1%, ranging from $1,169 to $1,832 with a five-year average of $1,456 — an annualized rate of +10.1% 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.