ZIP 97447 Insurance Data

Data Snapshot: ZIP 97447 (Idleyld Park, OR)

ZIP 97447 (Idleyld Park, OR) shows an average homeowners insurance premium of $1,136 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 36% below the national average of $1,776 per year, placing this ZIP in the 18th percentile nationally. Compared to the Oregon state average of $1,199, this ZIP runs 5% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 97447 is -3618.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 30.16%, and the average claim severity (amount paid per claim) is $-136,319.

Across 5 years (2018–2022), premiums in ZIP 97447 have fallen by 3.4%, ranging from $1,089 to $1,176 with a five-year average of $1,122 — an annualized rate of -0.8% 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.