ZIP 39204 Insurance Data

Data Snapshot: ZIP 39204 (Jackson, MS)

ZIP 39204 (Jackson, MS) shows an average homeowners insurance premium of $2,165 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 555 reported policies. That is 22% above the national average of $1,776 per year, placing this ZIP in the 81th percentile nationally. Compared to the Mississippi state average of $1,976, this ZIP runs 10% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 39204 is 96.8%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 19.42%, and the average claim severity (amount paid per claim) is $10,790. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.66% in this ZIP, a rise of 61.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 39204 have risen by 10.2%, ranging from $1,964 to $2,165 with a five-year average of $2,076 — an annualized rate of +2.5% 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.