ZIP 35458 Insurance Data

Data Snapshot: ZIP 35458 (Elrod, AL)

ZIP 35458 (Elrod, AL) shows an average homeowners insurance premium of $1,529 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 9 reported policies. That is 14% below the national average of $1,776 per year, placing this ZIP in the 48th percentile nationally. Compared to the Alabama state average of $1,931, this ZIP runs 21% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 35458 have fallen by 12.0%, ranging from $1,529 to $1,737 with a five-year average of $1,610 — an annualized rate of -3.1% 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.