ZIP 32413 Insurance Data

Data Snapshot: ZIP 32413 (Panama City Beach, FL)

ZIP 32413 (Panama City Beach, FL) shows an average homeowners insurance premium of $5,952 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 69 reported policies. That is 235% above the national average of $1,776 per year, placing this ZIP in the 99th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 22% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 32413 is 264.0%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 2.82%, and the average claim severity (amount paid per claim) is $557,206.

Across 5 years (2018–2022), premiums in ZIP 32413 have fallen by 30.0%, ranging from $5,952 to $8,504 with a five-year average of $7,596 — an annualized rate of -8.5% 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.