ZIP 36559 Insurance Data

Data Snapshot: ZIP 36559 (Montrose, AL)

ZIP 36559 (Montrose, AL) shows an average homeowners insurance premium of $4,660 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 251 reported policies. That is 162% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Alabama state average of $1,931, this ZIP runs 141% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 36559 is 99.6%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 7.41%, and the average claim severity (amount paid per claim) is $62,653.

Across 5 years (2018–2022), premiums in ZIP 36559 have fallen by 4.0%, ranging from $4,375 to $6,191 with a five-year average of $5,040 — an annualized rate of -1.0% 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.