ZIP 21052 Insurance Data

Data Snapshot: ZIP 21052 (Fort Howard, MD)

ZIP 21052 (Fort Howard, MD) shows an average homeowners insurance premium of $1,300 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,562 reported policies. That is 27% below the national average of $1,776 per year, placing this ZIP in the 31th percentile nationally. Compared to the Maryland state average of $1,627, this ZIP runs 20% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 21052 is 42.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.28%, and the average claim severity (amount paid per claim) is $16,733.

Across 5 years (2018–2022), premiums in ZIP 21052 have risen by 4.8%, ranging from $1,221 to $1,300 with a five-year average of $1,249 — an annualized rate of +1.2% 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.