ZIP 70036 Insurance Data

Data Snapshot: ZIP 70036 (Barataria, LA)

ZIP 70036 (Barataria, LA) shows an average homeowners insurance premium of $4,627 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 108 reported policies. That is 161% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Louisiana state average of $2,539, this ZIP runs 82% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 70036 is 268.4%, 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 25.53%, and the average claim severity (amount paid per claim) is $48,630.

Across 5 years (2018–2022), premiums in ZIP 70036 have risen by 15.3%, ranging from $4,014 to $4,627 with a five-year average of $4,318 — an annualized rate of +3.6% 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.