ZIP 38229 Insurance Data

Data Snapshot: ZIP 38229 (Gleason, TN)

ZIP 38229 (Gleason, TN) shows an average homeowners insurance premium of $1,622 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 18 reported policies. That is 9% below the national average of $1,776 per year, placing this ZIP in the 55th percentile nationally. Compared to the Tennessee state average of $1,728, this ZIP runs 6% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 38229 is 4.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.27%, and the average claim severity (amount paid per claim) is $3,506.

Across 5 years (2018–2022), premiums in ZIP 38229 have fallen by 8.8%, ranging from $1,606 to $1,778 with a five-year average of $1,685 — an annualized rate of -2.3% 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.