Dwelling Fire & Allied Lines ZIP Code Profiles

With information from ISO’s aggregate database, the Dwelling Fire & Allied Lines ZIP Code Profiles with Cause of Loss give you the latest five years of premium and loss experience by ZIP code for each type of coverage combination (Fire — Buildings, Extended Coverage* — Buildings, Fire — Contents, and Extended Coverage — Contents).

* Includes Broad/Special Form experience beyond Fire and Extended Coverage

Here's what you get

Dwelling Fire & Allied Lines ZIP Code Profiles give you premium and loss information by state, coverage combination, and ZIP code. You can choose one or more of the following reports:

  • by five-digit ZIP code within three-digit ZIP code
  • by five-digit ZIP code within county
  • by five-digit ZIP code within ISO territory

The available data includes:

  • coverage
  • ZIP code
  • ISO territory, county, and/or 3-digit ZIP code
  • individual causes of loss:
    • fire
    • lightning
    • windstorm
    • hail
    • water damage
    • freezing
    • vandalism and malicious mischief
    • fungi, wet or dry rot, and bacteria ("mold")
    • all other property damage
    • unclassified
    • all causes of loss excluding windstorm
    • all causes of loss combined
  • number of policies
  • average earned premium
  • average earned amount of insurance
  • actual severity
  • credibility-weighted severity
  • actual loss ratio
  • credibility-weighted loss ratio
  • actual frequency
  • credibility-weighted frequency

The reports show data separately for:

  • Fire — Buildings
  • Extended Coverage — Buildings
  • Fire — Contents
  • Extended Coverage — Contents

You get the sum total of the latest five years of data for the selection (state/ZIP code/coverage type) without application of credibility standards and adjusted for credibility.

You can choose to get your data selection as a flat-file database or in Microsoft® Excel format. Data is available for 49 states, the District of Columbia, and Puerto Rico. (Texas data is not available.)

For more information . . .

. . . on Dwelling Fire & Allied Lines ZIP Code Profiles — or to get in touch with a sales representative — contact us.