ZIP 34685 Insurance Data

Data Snapshot: ZIP 34685 (Palm Harbor, FL)

ZIP 34685 (Palm Harbor, FL) shows an average homeowners insurance premium of $4,102 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 512 reported policies. That is 131% 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 16% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 34685 is 15.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.39%, and the average claim severity (amount paid per claim) is $18,154.

Across 5 years (2018–2022), premiums in ZIP 34685 have fallen by 10.5%, ranging from $4,102 to $4,752 with a five-year average of $4,352 — an annualized rate of -2.7% 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.