ZIP 96701 Insurance Data

Data Snapshot: ZIP 96701 (Aiea, HI)

ZIP 96701 (Aiea, HI) shows an average homeowners insurance premium of $2,136 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 822 reported policies. That is 20% above the national average of $1,776 per year, placing this ZIP in the 80th percentile nationally. Compared to the Hawaii state average of $2,130, this ZIP runs 0% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 96701 is 15.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.01%, and the average claim severity (amount paid per claim) is $16,191. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.28% in this ZIP, a drop of 18.2% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 96701 have risen by 13.0%, ranging from $1,890 to $2,136 with a five-year average of $2,001 — an annualized rate of +3.1% 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.