ZIP 98647 Insurance Data

Data Snapshot: ZIP 98647 (Skamokawa, WA)

ZIP 98647 (Skamokawa, WA) shows an average homeowners insurance premium of $1,589 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 11% below the national average of $1,776 per year, placing this ZIP in the 53th percentile nationally. Compared to the Washington state average of $1,384, this ZIP runs 15% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 98647 is 13.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.78%, and the average claim severity (amount paid per claim) is $7,690.

Across 5 years (2018–2022), premiums in ZIP 98647 have risen by 3.9%, ranging from $1,380 to $1,845 with a five-year average of $1,568 — an annualized rate of +0.9% 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.