ZIP 32179 Insurance Data

Data Snapshot: ZIP 32179 (Ocklawaha, FL)

ZIP 32179 (Ocklawaha, FL) shows an average homeowners insurance premium of $2,062 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 45 reported policies. That is 16% above the national average of $1,776 per year, placing this ZIP in the 77th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 58% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 32179 is 96.9%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 4.36%, and the average claim severity (amount paid per claim) is $45,800.

Across 5 years (2018–2022), premiums in ZIP 32179 have fallen by 32.3%, ranging from $2,062 to $3,284 with a five-year average of $2,623 — an annualized rate of -9.3% 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.