ZIP 34275 Insurance Data

Data Snapshot: ZIP 34275 (Nokomis, FL)

ZIP 34275 (Nokomis, FL) shows an average homeowners insurance premium of $6,985 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 235 reported policies. That is 293% above the national average of $1,776 per year, placing this ZIP in the 99th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 43% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 34275 is 4.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.24%, and the average claim severity (amount paid per claim) is $6,132. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.70% in this ZIP, a rise of 146.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 34275 have fallen by 3.0%, ranging from $5,866 to $7,276 with a five-year average of $6,733 — an annualized rate of -0.8% 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.