ZIP 34772 Insurance Data

Data Snapshot: ZIP 34772 (Saint Cloud, FL)

ZIP 34772 (Saint Cloud, FL) shows an average homeowners insurance premium of $2,217 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 90 reported policies. That is 25% above the national average of $1,776 per year, placing this ZIP in the 82th percentile nationally. Compared to the Florida state average of $4,870, this ZIP runs 54% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 34772 is 92.0%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 8.63%, and the average claim severity (amount paid per claim) is $23,623. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.28% in this ZIP, a drop of 64.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 34772 have fallen by 23.3%, ranging from $2,217 to $3,117 with a five-year average of $2,614 — an annualized rate of -6.4% 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.