ZIP 98239 Insurance Data

Data Snapshot: ZIP 98239 (Coupeville, WA)

ZIP 98239 (Coupeville, WA) shows an average homeowners insurance premium of $1,322 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 87 reported policies. That is 26% below the national average of $1,776 per year, placing this ZIP in the 33th percentile nationally. Compared to the Washington state average of $1,384, this ZIP runs 4% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 98239 is 47.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.45%, and the average claim severity (amount paid per claim) is $18,007. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.59% in this ZIP, a rise of 5.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 98239 have risen by 10.0%, ranging from $1,202 to $1,322 with a five-year average of $1,285 — an annualized rate of +2.4% 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.