ZIP 39525 Insurance Data

Data Snapshot: ZIP 39525 (Diamondhead, MS)

ZIP 39525 (Diamondhead, MS) shows an average homeowners insurance premium of $2,877 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 303 reported policies. That is 62% above the national average of $1,776 per year, placing this ZIP in the 94th percentile nationally. Compared to the Mississippi state average of $1,976, this ZIP runs 46% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 39525 is 4.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.66%, and the average claim severity (amount paid per claim) is $7,225. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 4.47% in this ZIP, a rise of 122.3% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 39525 have fallen by 10.4%, ranging from $2,877 to $3,212 with a five-year average of $3,029 — an annualized rate of -2.7% 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.