ZIP 32550 Insurance Data

Data Snapshot: ZIP 32550 (Miramar Beach, FL)

ZIP 32550 (Miramar Beach, FL) shows an average homeowners insurance premium of $12,943 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 337 reported policies. That is 629% above the national average of $1,776 per year, placing this ZIP in the 100th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 166% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 32550 is 3.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.51%, and the average claim severity (amount paid per claim) is $10,132.

Across 5 years (2018–2022), premiums in ZIP 32550 have fallen by 5.9%, ranging from $12,360 to $13,760 with a five-year average of $12,944 — an annualized rate of -1.5% 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.