ZIP 70529 Insurance Data

Data Snapshot: ZIP 70529 (Duson, LA)

ZIP 70529 (Duson, LA) shows an average homeowners insurance premium of $2,275 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 127 reported policies. That is 28% above the national average of $1,776 per year, placing this ZIP in the 84th percentile nationally. Compared to the Louisiana state average of $2,539, this ZIP runs 10% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 70529 is 47.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.23%, and the average claim severity (amount paid per claim) is $25,542. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.57% in this ZIP, a rise of 664.3% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 70529 have fallen by 0.8%, ranging from $2,275 to $2,346 with a five-year average of $2,311 — an annualized rate of -0.2% 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.