ZIP 33331 Insurance Data

Data Snapshot: ZIP 33331 (Fort Lauderdale, FL)

ZIP 33331 (Fort Lauderdale, FL) shows an average homeowners insurance premium of $7,628 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 722 reported policies. That is 330% 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 57% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 33331 is 88.3%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 12.26%, and the average claim severity (amount paid per claim) is $54,919.

Across 5 years (2018–2022), premiums in ZIP 33331 have risen by 4.5%, ranging from $7,297 to $7,813 with a five-year average of $7,624 — an annualized rate of +1.1% 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.