ZIP 33624 Insurance Data

Data Snapshot: ZIP 33624 (Tampa, FL)

ZIP 33624 (Tampa, FL) shows an average homeowners insurance premium of $3,783 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,610 reported policies. That is 113% above the national average of $1,776 per year, placing this ZIP in the 97th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 22% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 33624 is 16.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.09%, and the average claim severity (amount paid per claim) is $15,269. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.11% in this ZIP, a drop of 54.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 33624 have risen by 0.3%, ranging from $3,771 to $4,280 with a five-year average of $3,904 — an annualized rate of +0.1% 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.