ZIP 99201 Insurance Data

Data Snapshot: ZIP 99201 (Spokane, WA)

ZIP 99201 (Spokane, WA) shows an average homeowners insurance premium of $1,085 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,716 reported policies. That is 39% below the national average of $1,776 per year, placing this ZIP in the 14th percentile nationally. Compared to the Washington state average of $1,384, this ZIP runs 22% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 99201 is 85.0%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 4.62%, and the average claim severity (amount paid per claim) is $19,985. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.17% in this ZIP, a rise of 40.1% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 99201 have risen by 6.7%, ranging from $1,017 to $1,085 with a five-year average of $1,050 — an annualized rate of +1.6% 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.