ZIP 38725 Insurance Data

Data Snapshot: ZIP 38725 (Benoit, MS)

ZIP 38725 (Benoit, MS) shows an average homeowners insurance premium of $2,232 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 26% above the national average of $1,776 per year, placing this ZIP in the 83th percentile nationally. Compared to the Mississippi state average of $1,976, this ZIP runs 13% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 38725 is 23.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.50%, and the average claim severity (amount paid per claim) is $11,511.

Across 5 years (2018–2022), premiums in ZIP 38725 have risen by 0.8%, ranging from $2,157 to $2,271 with a five-year average of $2,209 — 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.