ZIP 36528 Insurance Data

Data Snapshot: ZIP 36528 (Dauphin Island, AL)

ZIP 36528 (Dauphin Island, AL) shows an average homeowners insurance premium of $8,482 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 76 reported policies. That is 378% above the national average of $1,776 per year, placing this ZIP in the 100th percentile nationally. Compared to the Alabama state average of $1,931, this ZIP runs 339% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 36528 is 47.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.90%, and the average claim severity (amount paid per claim) is $212,058.

Across 5 years (2018–2022), premiums in ZIP 36528 have risen by 9.6%, ranging from $7,742 to $11,308 with a five-year average of $9,191 — an annualized rate of +2.3% 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.