ZIP 30097 Insurance Data

Data Snapshot: ZIP 30097 (Duluth, GA)

ZIP 30097 (Duluth, GA) shows an average homeowners insurance premium of $2,635 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 717 reported policies. That is 48% above the national average of $1,776 per year, placing this ZIP in the 91th percentile nationally. Compared to the Georgia state average of $1,769, this ZIP runs 49% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 30097 is 87.0%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 10.32%, and the average claim severity (amount paid per claim) is $22,200. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.62% in this ZIP, a rise of 91.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 30097 have risen by 12.7%, ranging from $2,339 to $2,635 with a five-year average of $2,472 — an annualized rate of +3.0% 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.