ZIP 37657 Insurance Data

Data Snapshot: ZIP 37657 (Flag Pond, TN)

ZIP 37657 (Flag Pond, TN) shows an average homeowners insurance premium of $1,675 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 10 reported policies. That is 6% below the national average of $1,776 per year, placing this ZIP in the 59th percentile nationally. Compared to the Tennessee state average of $1,728, this ZIP runs 3% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 37657 have fallen by 15.0%, ranging from $1,660 to $1,970 with a five-year average of $1,742 — an annualized rate of -4.0% 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.