ZIP 99153 Insurance Data

Data Snapshot: ZIP 99153 (Metaline Falls, WA)

ZIP 99153 (Metaline Falls, WA) shows an average homeowners insurance premium of $1,453 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 18% below the national average of $1,776 per year, placing this ZIP in the 43th percentile nationally. Compared to the Washington state average of $1,384, this ZIP runs 5% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 99153 is 88.4%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 8.11%, and the average claim severity (amount paid per claim) is $15,849. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 5.41% in this ZIP, a rise of 418.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 99153 have risen by 22.7%, ranging from $1,184 to $1,454 with a five-year average of $1,302 — an annualized rate of +5.3% 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.