ZIP 36759 Insurance Data

Data Snapshot: ZIP 36759 (Marion Junction, AL)

ZIP 36759 (Marion Junction, AL) shows an average homeowners insurance premium of $2,019 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 14% above the national average of $1,776 per year, placing this ZIP in the 76th percentile nationally. Compared to the Alabama state average of $1,931, this ZIP runs 5% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 36759 is 24.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.42%, and the average claim severity (amount paid per claim) is $10,939.

Across 5 years (2018–2022), premiums in ZIP 36759 have risen by 8.4%, ranging from $1,750 to $2,019 with a five-year average of $1,851 — an annualized rate of +2.0% 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.