ZIP 37351 Insurance Data

Data Snapshot: ZIP 37351 (Lupton City, TN)

ZIP 37351 (Lupton City, TN) shows an average homeowners insurance premium of $1,303 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 329 reported policies. That is 27% below the national average of $1,776 per year, placing this ZIP in the 31th percentile nationally. Compared to the Tennessee state average of $1,728, this ZIP runs 25% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 37351 is 31.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.41%, and the average claim severity (amount paid per claim) is $9,200.

Across 5 years (2018–2022), premiums in ZIP 37351 have risen by 0.8%, ranging from $1,207 to $1,303 with a five-year average of $1,265 — an annualized rate of +0.2% 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.