ZIP 49836 Insurance Data

Data Snapshot: ZIP 49836 (Germfask, MI)

ZIP 49836 (Germfask, MI) shows an average homeowners insurance premium of $954 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 46% below the national average of $1,776 per year, placing this ZIP in the 5th percentile nationally. Compared to the Michigan state average of $1,233, this ZIP runs 23% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 49836 is 120.9%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 3.57%, and the average claim severity (amount paid per claim) is $32,293. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.89% in this ZIP, a drop of 60.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 49836 have fallen by 8.3%, ranging from $954 to $1,040 with a five-year average of $1,000 — an annualized rate of -2.1% 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.