ZIP 32809 Insurance Data

Data Snapshot: ZIP 32809 (Orlando, FL)

ZIP 32809 (Orlando, FL) shows an average homeowners insurance premium of $3,040 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 997 reported policies. That is 71% above the national average of $1,776 per year, placing this ZIP in the 95th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 38% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 32809 is 114.3%, 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 17.39%, and the average claim severity (amount paid per claim) is $19,979. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.47% in this ZIP, a drop of 70.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 32809 have fallen by 23.7%, ranging from $3,040 to $4,363 with a five-year average of $3,680 — an annualized rate of -6.5% 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.