ZIP 97833 Insurance Data

Data Snapshot: ZIP 97833 (Haines, OR)

ZIP 97833 (Haines, OR) shows an average homeowners insurance premium of $1,159 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 35% below the national average of $1,776 per year, placing this ZIP in the 20th percentile nationally. Compared to the Oregon state average of $1,199, this ZIP runs 3% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 97833 is 10.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.10%, and the average claim severity (amount paid per claim) is $3,805.

Across 5 years (2018–2022), premiums in ZIP 97833 have risen by 38.2%, ranging from $839 to $1,159 with a five-year average of $998 — an annualized rate of +8.4% 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.