ZIP 33607 Insurance Data

Data Snapshot: ZIP 33607 (Tampa, FL)

ZIP 33607 (Tampa, FL) shows an average homeowners insurance premium of $3,048 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,003 reported policies. That is 72% 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 37% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 33607 is 88.8%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 13.04%, and the average claim severity (amount paid per claim) is $20,753.

Across 5 years (2018–2022), premiums in ZIP 33607 have fallen by 7.0%, ranging from $2,891 to $3,434 with a five-year average of $3,116 — an annualized rate of -1.8% 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.