ZIP 33534 Insurance Data

Data Snapshot: ZIP 33534 (Gibsonton, FL)

ZIP 33534 (Gibsonton, FL) shows an average homeowners insurance premium of $2,471 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 400 reported policies. That is 39% above the national average of $1,776 per year, placing this ZIP in the 88th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 49% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 33534 is 93.0%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 17.36%, and the average claim severity (amount paid per claim) is $13,239.

Across 5 years (2018–2022), premiums in ZIP 33534 have fallen by 23.4%, ranging from $2,471 to $3,224 with a five-year average of $2,802 — an annualized rate of -6.4% 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.