ZIP 70809 Insurance Data

Data Snapshot: ZIP 70809 (Baton Rouge, LA)

ZIP 70809 (Baton Rouge, LA) shows an average homeowners insurance premium of $2,957 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 652 reported policies. That is 67% above the national average of $1,776 per year, placing this ZIP in the 94th percentile nationally. Compared to the Louisiana state average of $2,539, this ZIP runs 16% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 70809 is 38.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.20%, and the average claim severity (amount paid per claim) is $18,162. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.55% in this ZIP, a rise of 29.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 70809 have fallen by 0.2%, ranging from $2,947 to $2,973 with a five-year average of $2,962 — an annualized rate of -0.1% 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.