ZIP 35746 Insurance Data

Data Snapshot: ZIP 35746 (Fackler, AL)

ZIP 35746 (Fackler, AL) shows an average homeowners insurance premium of $1,722 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 5 reported policies. That is 3% below the national average of $1,776 per year, placing this ZIP in the 62th percentile nationally. Compared to the Alabama state average of $1,931, this ZIP runs 11% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 35746 have risen by 10.6%, ranging from $1,556 to $1,749 with a five-year average of $1,684 — an annualized rate of +2.6% 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.