ZIP 33956 Insurance Data

Data Snapshot: ZIP 33956 (Saint James City, FL)

ZIP 33956 (Saint James City, FL) shows an average homeowners insurance premium of $4,653 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 89 reported policies. That is 162% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 4% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 33956 is 195.3%, 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 22.61%, and the average claim severity (amount paid per claim) is $40,189. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.87% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 33956 have risen by 7.7%, ranging from $3,994 to $5,305 with a five-year average of $4,520 — an annualized rate of +1.9% 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.