ZIP 72522 Insurance Data

Data Snapshot: ZIP 72522 (Charlotte, AR)

ZIP 72522 (Charlotte, AR) shows an average homeowners insurance premium of $1,589 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 26 reported policies. That is 11% below the national average of $1,776 per year, placing this ZIP in the 53th percentile nationally. Compared to the Arkansas state average of $1,736, this ZIP runs 9% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 72522 is 10.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.72%, and the average claim severity (amount paid per claim) is $9,530.

Across 5 years (2018–2022), premiums in ZIP 72522 have fallen by 10.4%, ranging from $1,589 to $1,800 with a five-year average of $1,707 — an annualized rate of -2.7% 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.