Mobile, AL

13 ZIP codes — Alabama

Compare quotes in Mobile, AL

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Avg Premium (2025 Est.)

$2,630

+10.9% from 2022

Stress Score

52/100

Nonrenewal Rate

1.29%

Insurance/Income

4.8%

ZIP Codes in Mobile

ZIP	Avg Premium	Stress Score	Risk
36602	$2,648	65	High
36617	$2,061	64	High
36607	$2,856	60	Elevated
36604	$2,917	57	Elevated
36606	$2,298	57	Elevated
36603	$2,058	54	Elevated
36605	$2,254	50	Elevated
36618	$2,002	50	Elevated
36609	$2,195	47	Elevated
36608	$2,628	46	Elevated
36693	$2,380	45	Elevated
36695	$2,284	42	Elevated
36582	$2,244	41	Elevated

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.