ZIP 97641 Insurance Data

Data Snapshot: ZIP 97641 (Christmas Valley, OR)

ZIP 97641 (Christmas Valley, OR) shows an average homeowners insurance premium of $996 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 44% below the national average of $1,776 per year, placing this ZIP in the 7th percentile nationally. Compared to the Oregon state average of $1,199, this ZIP runs 17% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 97641 is 231.4%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 5.13%, and the average claim severity (amount paid per claim) is $44,931. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.56% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 97641 have fallen by 5.4%, ranging from $996 to $1,065 with a five-year average of $1,040 — an annualized rate of -1.4% 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.