ZIP 39520 Insurance Data

Data Snapshot: ZIP 39520 (Bay Saint Louis, MS)

ZIP 39520 (Bay Saint Louis, MS) shows an average homeowners insurance premium of $2,995 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 61 reported policies. That is 69% above the national average of $1,776 per year, placing this ZIP in the 95th percentile nationally. Compared to the Mississippi state average of $1,976, this ZIP runs 52% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 39520 is 6.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.61%, and the average claim severity (amount paid per claim) is $11,446. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.37% in this ZIP, a rise of 361.3% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 39520 have fallen by 3.4%, ranging from $2,862 to $3,099 with a five-year average of $2,977 — an annualized rate of -0.8% 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.