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Home insurance & flood costs in ZIP 36532 (Fairhope, AL)

Plain facts for homeowners in Fairhope: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 36532 at a glance

Four numbers most homeowners ask about first.

$2,945
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,495
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.31%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

2.4%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 36532 in numbers
$23,790
average paid claim (2022)
+6%
premium change 2018–2022, after inflation
0.84%
cancelled by insurers mid-term (2022)
1,055
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 36532 was $2,945 in 2022, 29% above the Baldwin County typical ZIP ($2,281) and 90% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 6% between 2018 and 2022. About 2.4% of policies here had a paid claim in 2022, and insurers chose not to renew 0.31% of policies.

Baldwin County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 36532BaldwinU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 36532 in 2025 cost $1,495, based on 1,055 policies, compared with $1,069 in 2022. About 65% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

1,055 policies
A zones 54%X/B/C zones 35%V zones 11%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Baldwin County

The chart shows the share of homeowners policies in ZIP 36532 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Baldwin County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hurricane99 · Very High
  • Lightning99 · Very High
  • Tornado93 · Relatively High
  • Inland flooding92 · Relatively Moderate
  • Heat wave92 · Relatively Moderate

Other ZIP codes in Baldwin County

Average premium per policy in 2022 (Treasury FIO).

36507 Bay Minette · $1,98036526 Daphne · $2,44836527 Spanish Fort · $2,42736530 Elberta · $2,61136535 Foley · $2,13036542 Gulf Shores · $3,58036549 Lillian · $2,67736551 Loxley · $1,96536561 Orange Beach · $5,30536567 Robertsdale · $1,99336580 Summerdale · $2,135

Practical next steps

Simple things homeowners in ZIP 36532 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.