ZIP 31312 Insurance Data

Data Snapshot: ZIP 31312 (Guyton, GA)

ZIP 31312 (Guyton, GA) shows an average homeowners insurance premium of $1,633 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 39 reported policies. That is 8% below the national average of $1,776 per year, placing this ZIP in the 56th percentile nationally. Compared to the Georgia state average of $1,769, this ZIP runs 8% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 31312 is 45.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.49%, and the average claim severity (amount paid per claim) is $11,359. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.77% in this ZIP, a rise of 94.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 31312 have risen by 3.1%, ranging from $1,584 to $1,633 with a five-year average of $1,616 — an annualized rate of +0.8% 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.