ZIP 33967 Insurance Data

Data Snapshot: ZIP 33967 (Fort Myers, FL)

ZIP 33967 (Fort Myers, FL) shows an average homeowners insurance premium of $2,894 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,156 reported policies. That is 63% 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 41% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 33967 is 163.9%, 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 27.02%, and the average claim severity (amount paid per claim) is $17,559. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.35% in this ZIP, a drop of 47.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 33967 have fallen by 17.5%, ranging from $2,847 to $3,508 with a five-year average of $3,092 — an annualized rate of -4.7% 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.