ZIP 32250 Insurance Data

Data Snapshot: ZIP 32250 (Jacksonville Beach, FL)

ZIP 32250 (Jacksonville Beach, FL) shows an average homeowners insurance premium of $4,298 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,134 reported policies. That is 142% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 12% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 32250 is 21.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.82%, and the average claim severity (amount paid per claim) is $18,921. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.64% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 32250 have fallen by 7.3%, ranging from $4,129 to $4,718 with a five-year average of $4,422 — an annualized rate of -1.9% 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.