ZIP 28628 Insurance Data

Data Snapshot: ZIP 28628 (Glen Alpine, NC)

ZIP 28628 (Glen Alpine, NC) shows an average homeowners insurance premium of $973 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 358 reported policies. That is 45% below the national average of $1,776 per year, placing this ZIP in the 6th percentile nationally. Compared to the North Carolina state average of $1,379, this ZIP runs 29% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 28628 is 20.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.17%, and the average claim severity (amount paid per claim) is $4,821.

Across 5 years (2018–2022), premiums in ZIP 28628 have risen by 18.6%, ranging from $820 to $987 with a five-year average of $900 — an annualized rate of +4.4% 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.