ZIP 97539 Insurance Data

Data Snapshot: ZIP 97539 (Shady Cove, OR)

ZIP 97539 (Shady Cove, OR) shows an average homeowners insurance premium of $1,173 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 58 reported policies. That is 34% below the national average of $1,776 per year, placing this ZIP in the 21th percentile nationally. Compared to the Oregon state average of $1,199, this ZIP runs 2% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 97539 is 98.8%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 2.64%, and the average claim severity (amount paid per claim) is $43,879. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.28% in this ZIP, a drop of 48.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 97539 have risen by 21.9%, ranging from $962 to $1,173 with a five-year average of $1,070 — an annualized rate of +5.1% 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.