ZIP 32507 Insurance Data

Data Snapshot: ZIP 32507 (Pensacola, FL)

ZIP 32507 (Pensacola, FL) shows an average homeowners insurance premium of $7,028 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 444 reported policies. That is 296% 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 44% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 32507 is 64.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 10.91%, and the average claim severity (amount paid per claim) is $41,593.

Across 5 years (2018–2022), premiums in ZIP 32507 have risen by 14.1%, ranging from $6,162 to $7,058 with a five-year average of $6,775 — an annualized rate of +3.3% 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.