ZIP 72069 Insurance Data

Data Snapshot: ZIP 72069 (Holly Grove, AR)

ZIP 72069 (Holly Grove, AR) shows an average homeowners insurance premium of $1,733 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2 reported policies. That is 2% below the national average of $1,776 per year, placing this ZIP in the 62th percentile nationally. Compared to the Arkansas state average of $1,736, this ZIP runs 0% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 72069 is 23.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 9.41%, and the average claim severity (amount paid per claim) is $4,259.

Across 5 years (2018–2022), premiums in ZIP 72069 have risen by 4.3%, ranging from $1,660 to $1,735 with a five-year average of $1,701 — an annualized rate of +1.1% 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.