ZIP 31650 Insurance Data

Data Snapshot: ZIP 31650 (Willacoochee, GA)

ZIP 31650 (Willacoochee, GA) shows an average homeowners insurance premium of $1,295 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 12 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 Georgia state average of $1,769, this ZIP runs 27% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 31650 is 9.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.23%, and the average claim severity (amount paid per claim) is $5,493.

Across 5 years (2018–2022), premiums in ZIP 31650 have fallen by 7.9%, ranging from $1,295 to $1,457 with a five-year average of $1,370 — an annualized rate of -2.0% 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.