ZIP 33907 Insurance Data

Data Snapshot: ZIP 33907 (Fort Myers, FL)

ZIP 33907 (Fort Myers, FL) shows an average homeowners insurance premium of $2,956 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,217 reported policies. That is 66% above the national average of $1,776 per year, placing this ZIP in the 94th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 39% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 33907 is 273.9%, 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 29.61%, and the average claim severity (amount paid per claim) is $27,351.

Across 5 years (2018–2022), premiums in ZIP 33907 have fallen by 25.3%, ranging from $2,956 to $4,461 with a five-year average of $3,578 — an annualized rate of -7.0% 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.