ZIP 31829 Insurance Data

Data Snapshot: ZIP 31829 (Upatoi, GA)

ZIP 31829 (Upatoi, GA) shows an average homeowners insurance premium of $2,298 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 45 reported policies. That is 29% above the national average of $1,776 per year, placing this ZIP in the 84th percentile nationally. Compared to the Georgia state average of $1,769, this ZIP runs 30% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 31829 is 47.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 8.29%, and the average claim severity (amount paid per claim) is $13,177. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.38% in this ZIP, a rise of 346.1% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 31829 have fallen by 0.2%, ranging from $2,124 to $2,303 with a five-year average of $2,214 — an annualized rate of -0.1% 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.