ZIP 36860 Insurance Data

Data Snapshot: ZIP 36860 (Hurtsboro, AL)

ZIP 36860 (Hurtsboro, AL) shows an average homeowners insurance premium of $2,064 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 4 reported policies. That is 16% above the national average of $1,776 per year, placing this ZIP in the 78th percentile nationally. Compared to the Alabama state average of $1,931, this ZIP runs 7% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 36860 is 3.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.52%, and the average claim severity (amount paid per claim) is $2,264.

Across 5 years (2018–2022), premiums in ZIP 36860 have fallen by 1.6%, ranging from $2,044 to $2,111 with a five-year average of $2,074 — an annualized rate of -0.4% 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.