ZIP 35754 Insurance Data

Data Snapshot: ZIP 35754 (Laceys Spring, AL)

ZIP 35754 (Laceys Spring, AL) shows an average homeowners insurance premium of $1,897 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 47 reported policies. That is 7% above the national average of $1,776 per year, placing this ZIP in the 71th percentile nationally. Compared to the Alabama state average of $1,931, this ZIP runs 2% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 35754 is 93.9%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 4.16%, and the average claim severity (amount paid per claim) is $42,784. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.91% in this ZIP, a rise of 231.3% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 35754 have risen by 3.6%, ranging from $1,826 to $1,928 with a five-year average of $1,867 — an annualized rate of +0.9% 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.