ZIP 38052 Insurance Data

Data Snapshot: ZIP 38052 (Middleton, TN)

ZIP 38052 (Middleton, TN) shows an average homeowners insurance premium of $1,900 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 12 reported policies. That is 7% above the national average of $1,776 per year, placing this ZIP in the 71th percentile nationally. Compared to the Tennessee state average of $1,728, this ZIP runs 10% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 38052 is 299.6%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 5.84%, and the average claim severity (amount paid per claim) is $97,431. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.25% in this ZIP, a rise of 63.1% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 38052 have fallen by 2.5%, ranging from $1,900 to $2,018 with a five-year average of $1,948 — an annualized rate of -0.6% 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.