Maine Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 395 ZIP codes in Maine (ME).

The verdict

According to U.S. Treasury FIO filings, Maine ranks #40 of 51 by average premium ($1,294/yr) ≠ #43 of 50 by nonrenewal (0.72%). Cost rank is not withdrawal rank.

$1,294
State avg premium (#40 of 51): #43
Nonrenewal of 50 (0.72%): 04675
In-state premium ZIP #1 ($5,897): 04101
In-state nonrenewal ZIP #1 (1.06%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Maine vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,294 Among the lowest premiums lower premium than 76% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Maine pay an average of $1,294 per year for home insurance - 27% below the national average of $1,776. That ranks Maine as the 40th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 5.3%; nonrenewal rates declined by 37.9% over the same period.

On five-year premium growth (2018–2022), Maine ranks 27th out of 51 states. Its nonrenewal rate (0.72%) ranks 43rd out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Maine Compares

vs National Average

$1,294 vs $1,776

27% below national avg

Rank Among States

40th of 51

most expensive for homeowners insurance

Loss Ratio vs National

29.2% vs 58.0%

insurers retain more margin here

Avg Premium

$1,294/yr

National avg: $1,776 (-27% below)

Premium Change

+5.3%

2018-2022 change

Avg Loss Ratio

29.2%

Claims paid vs premiums earned

Nonrenewal Rate

0.72%

-37.9% change

Data Snapshot: Maine Homeowners Insurance

Across the 395 Maine ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,294. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Maine homeowner pays, gives $1,418 per year. That is 27% below the national average of $1,776 per year reported by the Federal Insurance Office. Maine ranks 40th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $878 in 04785 to $5,897 in 04675.

Between 2018 and 2022, average premiums rose by 5.3% in Maine, placing the state 27th nationally on five-year premium growth. The state-level loss ratio averaged 29.2%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.72% across the ZIP codes that report one (81% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a decline of 37.9% over the study period (ranking 43rd out of 50 states).

Within Maine, premium dispersion across ZIP codes is substantial: the most expensive ZIP (04675 in Seal Harbor) charges 571% more than the least expensive (04785 in Van Buren), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Maine

Maine statewide - FIO 2018-2022 average: 29% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

395

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,228	$1,092	33.0%	3.19%	1.16%
2019	$1,256 (+2.3%)	$1,133	34.2%	3.27%	1.57%
2020	$1,275 (+1.5%)	$1,123	40.2%	2.67%	0.91%
2021	$1,273 (-0.2%)	$1,126	25.2%	2.34%	0.83%
2022	$1,294 (+1.6%)	$1,150	29.2%	2.51%	0.72%

Average homeowners premium per year in Maine.

Most Expensive ZIP Codes in Maine

Most Affordable ZIP Codes in Maine

All ZIP Codes in Maine

395 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
04675	Seal Harbor	$5,897	22.6%	4.11%	N/A
04662	Northeast Harbor	$4,820	29.0%	7.84%	0.39%
04853	North Haven	$3,549	2.0%	1.83%	1.37%
03911	York Harbor	$3,406	N/A	N/A	2.13%
04848	Islesboro	$3,244	0.1%	0.27%	0.54%
04006	Biddeford Pool	$3,229	23.2%	5.05%	N/A
04646	Islesford	$3,041	9.7%	4.55%	N/A
04625	Cranberry Isles	$2,776	13.2%	2.82%	N/A
04421	Castine	$2,745	7.4%	2.51%	0.36%
04109	Portland	$2,738	0.1%	1.06%	N/A
04568	South Bristol	$2,581	3.4%	2.41%	0.34%
04616	Brooklin	$2,576	0.6%	0.58%	0.88%
04660	Mount Desert	$2,491	1.2%	0.97%	0.81%
04110	Cumberland Foreside	$2,435	21.3%	7.20%	0.27%
04617	Brooksville	$2,252	6.6%	2.30%	N/A
04642	Harborside	$2,081	1.5%	1.30%	N/A
04576	Southport	$2,072	13.2%	4.04%	0.67%
04541	Chamberlain	$2,067	15.1%	3.33%	N/A
04650	Little Deer Isle	$2,048	6.0%	0.81%	N/A
04564	Round Pond	$2,044	0.5%	0.61%	0.61%
04017	Chebeague Island	$2,028	4.7%	1.84%	0.92%
04614	Blue Hill	$1,963	12.7%	2.85%	0.91%
04693	Winter Harbor	$1,961	14.9%	4.50%	N/A
04003	Bailey Island	$1,958	9.0%	3.30%	0.55%
04558	Pemaquid	$1,895	0.0%	0.66%	N/A
04066	Orrs Island	$1,890	59.2%	2.02%	N/A
04107	Cape Elizabeth	$1,887	14.7%	3.38%	0.54%
04677	Sorrento	$1,870	1.6%	3.08%	N/A
03902	Cape Neddick	$1,857	15.0%	2.98%	0.36%
04105	Falmouth	$1,804	32.8%	4.37%	0.51%
04843	Camden	$1,792	23.7%	2.49%	0.51%
04551	Bremen	$1,787	1.4%	0.69%	N/A
03907	Ogunquit	$1,763	54.4%	3.76%	0.63%
04101	Portland	$1,755	32.9%	5.46%	1.06%
04079	Harpswell	$1,745	12.7%	2.16%	0.43%
04863	Vinalhaven	$1,731	7.3%	1.10%	0.37%
04627	Deer Isle	$1,729	16.6%	3.10%	0.82%
04548	Georgetown	$1,721	17.3%	1.41%	0.40%
04096	Yarmouth	$1,714	19.0%	3.25%	0.73%
04855	Port Clyde	$1,707	4.2%	3.30%	N/A
04261	Newry	$1,698	149.6%	1.56%	1.04%
04573	Walpole	$1,695	N/A	N/A	N/A
04674	Seal Cove	$1,692	17.1%	3.65%	0.73%
03905	Kittery Point	$1,670	20.0%	4.25%	0.31%
04046	Kennebunkport	$1,666	21.1%	3.71%	0.67%
04575	West Boothbay Harbor	$1,659	17.8%	3.51%	N/A
04856	Rockport	$1,635	6.5%	2.57%	0.92%
04673	Sargentville	$1,628	N/A	N/A	N/A
04676	Sedgwick	$1,590	5.6%	1.67%	1.00%
04918	Belgrade Lakes	$1,574	66.5%	8.64%	N/A
04681	Stonington	$1,574	4.0%	1.48%	0.30%
04108	Peaks Island	$1,572	22.3%	3.42%	0.40%
04859	Spruce Head	$1,563	25.4%	2.37%	0.79%
04554	New Harbor	$1,550	12.9%	2.23%	N/A
04685	Swans Island	$1,550	7.3%	2.81%	0.56%
04679	Southwest Harbor	$1,549	79.9%	4.61%	0.89%
04612	Bernard	$1,547	1.6%	1.46%	N/A
04050	Long Island	$1,542	4.1%	1.90%	N/A
04051	Lovell	$1,540	41.3%	2.66%	0.67%
04478	Rockwood	$1,540	13.2%	2.27%	0.97%
04609	Bar Harbor	$1,531	71.0%	3.40%	0.60%
04860	Tenants Harbor	$1,524	6.9%	1.41%	0.99%
04624	Corea	$1,523	10.4%	2.86%	N/A
04563	Cushing	$1,521	7.3%	1.47%	1.26%
04032	Freeport	$1,505	21.4%	3.55%	0.51%
04571	Trevett	$1,497	47.8%	2.56%	N/A
04043	Kennebunk	$1,494	21.4%	3.55%	0.59%
04544	East Boothbay	$1,491	7.4%	2.42%	N/A
03909	York	$1,474	28.4%	2.80%	0.68%
04925	Caratunk	$1,469	N/A	N/A	N/A
04553	Newcastle	$1,466	45.7%	2.16%	0.43%
04854	Owls Head	$1,462	21.6%	3.16%	0.53%
04021	Cumberland Center	$1,458	45.9%	3.02%	0.45%
04063	Ocean Park	$1,449	100.2%	6.59%	1.10%
04733	Benedicta	$1,449	N/A	N/A	N/A
04471	Orient	$1,444	1.6%	1.03%	N/A
04556	Edgecomb	$1,442	5.0%	1.90%	0.81%
04562	Phippsburg	$1,439	9.1%	2.38%	0.12%
04538	Boothbay Harbor	$1,432	47.9%	2.89%	0.39%
04022	Denmark	$1,430	14.4%	3.02%	1.25%
04964	Oquossoc	$1,428	17.8%	3.03%	0.51%
04849	Lincolnville	$1,417	62.9%	1.89%	0.83%
04097	North Yarmouth	$1,401	39.0%	2.47%	0.39%
04069	Pownal	$1,397	16.3%	3.42%	0.49%
04102	Portland	$1,394	29.8%	3.84%	0.35%
04858	South Thomaston	$1,390	51.9%	1.63%	N/A
04231	Stoneham	$1,388	33.5%	1.60%	N/A
04074	Scarborough	$1,375	34.4%	3.99%	0.42%
04040	Harrison	$1,375	23.9%	2.57%	0.73%
04539	Bristol	$1,372	25.5%	3.79%	0.22%
04537	Boothbay	$1,371	15.0%	2.89%	0.41%
04684	Surry	$1,344	45.3%	3.47%	1.43%
03903	Eliot	$1,334	9.2%	2.19%	0.61%
04535	Alna	$1,329	10.5%	3.08%	1.03%
04611	Beals	$1,329	10.6%	1.39%	0.69%
04255	Greenwood	$1,329	2.4%	1.06%	0.27%
04351	Manchester	$1,325	10.9%	1.85%	0.84%
04442	Greenville Junction	$1,319	N/A	N/A	N/A
04088	Waterford	$1,310	4.7%	1.55%	0.77%
04476	Penobscot	$1,308	5.1%	1.45%	0.87%
04543	Damariscotta	$1,306	9.5%	1.63%	0.61%
04917	Belgrade	$1,305	20.5%	2.96%	0.48%
03910	York Beach	$1,303	68.3%	1.55%	0.78%
04555	Nobleboro	$1,300	40.5%	1.66%	0.17%
04547	Friendship	$1,299	9.3%	2.28%	0.46%
04441	Greenville	$1,298	20.7%	1.78%	0.89%
04071	Raymond	$1,292	35.2%	3.00%	0.33%
04970	Rangeley	$1,292	11.8%	1.80%	0.49%
04217	Bethel	$1,291	20.0%	2.33%	1.17%
04664	Sullivan	$1,287	7.2%	2.19%	0.94%
04222	Durham	$1,283	27.2%	3.10%	0.30%
04762	New Sweden	$1,278	3.9%	2.04%	3.06%
04761	New Limerick	$1,274	89.4%	1.43%	N/A
04607	Gouldsboro	$1,267	19.4%	1.64%	0.70%
04579	Woolwich	$1,265	12.3%	1.94%	0.73%
04068	Porter	$1,265	3.4%	1.25%	0.50%
04947	Kingfield	$1,262	21.2%	2.65%	0.31%
03908	South Berwick	$1,261	46.7%	3.45%	0.73%
04655	Machiasport	$1,258	9.5%	1.83%	0.37%
04530	Bath	$1,255	45.3%	2.57%	0.51%
04669	Prospect Harbor	$1,250	9.6%	2.11%	3.16%
04781	Wallagrass	$1,249	37.9%	4.24%	1.21%
03904	Kittery	$1,249	15.4%	3.18%	0.19%
04941	Freedom	$1,243	13.2%	2.15%	0.62%
04009	Bridgton	$1,239	21.0%	2.53%	0.52%
04055	Naples	$1,237	49.4%	2.47%	0.65%
04347	Hallowell	$1,233	12.9%	2.56%	0.47%
04219	Bryant Pond	$1,231	4.5%	1.57%	0.45%
04047	Parsonsfield	$1,231	10.4%	2.69%	0.54%
04464	Monson	$1,230	6.8%	0.90%	0.90%
04912	Athens	$1,229	0.2%	0.51%	N/A
04640	Hancock	$1,228	37.3%	3.04%	0.48%
04921	Brooks	$1,228	14.8%	1.71%	0.68%
04628	Dennysville	$1,228	18.6%	0.70%	0.70%
04649	Jonesport	$1,222	6.9%	2.68%	0.30%
04029	Sebago	$1,222	26.2%	2.86%	0.65%
04668	Princeton	$1,220	18.3%	3.77%	N/A
04037	Fryeburg	$1,218	31.4%	1.78%	0.69%
04010	Brownfield	$1,217	11.5%	2.02%	1.01%
04496	Winterport	$1,213	12.9%	2.38%	0.48%
04578	Wiscasset	$1,211	25.8%	2.21%	0.53%
04691	Whiting	$1,211	12.4%	0.68%	N/A
04284	Wayne	$1,210	6.5%	1.02%	0.51%
04847	Hope	$1,209	22.7%	0.84%	0.42%
04654	Machias	$1,207	14.7%	3.03%	0.83%
04475	Passadumkeag	$1,205	7.6%	1.41%	4.23%
04359	South Gardiner	$1,205	16.2%	3.03%	N/A
04015	Casco	$1,204	18.2%	2.66%	1.17%
04292	Sumner	$1,202	8.1%	0.46%	N/A
04238	Hebron	$1,202	6.4%	1.46%	1.09%
04626	Cutler	$1,201	43.7%	3.18%	0.64%
04653	Bass Harbor	$1,200	25.2%	2.96%	N/A
04472	Orland	$1,200	10.0%	2.00%	0.33%
04780	Smyrna Mills	$1,200	138.1%	5.00%	1.00%
04572	Waldoboro	$1,199	29.2%	2.13%	0.60%
04355	Readfield	$1,198	83.1%	4.76%	0.58%
04091	West Baldwin	$1,196	7.5%	2.16%	0.43%
04680	Steuben	$1,195	9.7%	2.69%	0.60%
04020	Cornish	$1,193	2.5%	0.80%	N/A
04001	Acton	$1,192	26.4%	2.27%	0.30%
04630	East Machias	$1,191	9.6%	2.47%	0.27%
04613	Birch Harbor	$1,189	3.1%	1.82%	N/A
04606	Addison	$1,179	0.2%	0.29%	0.29%
04444	Hampden	$1,179	48.0%	2.96%	0.45%
04652	Lubec	$1,176	20.2%	2.40%	0.60%
04282	Turner	$1,175	24.2%	2.58%	0.52%
04090	Wells	$1,175	32.3%	3.08%	0.43%
04364	Winthrop	$1,175	40.6%	2.98%	0.41%
04103	Portland	$1,174	16.3%	2.35%	0.51%
04360	Vienna	$1,174	5.5%	0.92%	0.92%
04210	Auburn	$1,173	29.6%	3.01%	0.54%
04666	Pembroke	$1,172	2.3%	1.31%	0.33%
04258	Minot	$1,171	13.3%	2.60%	0.15%
04270	Oxford	$1,170	13.1%	2.00%	0.48%
04011	Brunswick	$1,170	58.5%	2.86%	0.78%
04410	Bradford	$1,169	1.3%	1.38%	1.38%
04915	Belfast	$1,166	10.0%	1.78%	0.67%
04983	Strong	$1,166	3.0%	1.92%	0.48%
04056	Newfield	$1,165	7.4%	2.02%	N/A
04966	Phillips	$1,165	1.3%	0.67%	0.45%
04221	Canton	$1,162	26.6%	4.26%	N/A
04429	Holden	$1,161	18.5%	2.65%	0.35%
04287	Bowdoin	$1,159	14.4%	1.61%	0.81%
04274	Poland	$1,159	25.9%	1.50%	0.46%
04732	Ashland	$1,158	16.3%	1.36%	0.27%
04358	South China	$1,158	41.8%	4.00%	0.39%
04236	Greene	$1,158	34.7%	2.81%	0.27%
04631	Eastport	$1,158	20.4%	2.23%	0.50%
04260	New Gloucester	$1,157	5.4%	1.80%	0.50%
04622	Cherryfield	$1,157	6.1%	0.83%	0.55%
04765	Patten	$1,157	23.8%	1.81%	0.60%
04426	Dover Foxcroft	$1,156	14.6%	1.80%	0.19%
04961	New Portland	$1,155	8.3%	1.35%	1.08%
04354	Palermo	$1,155	9.2%	2.72%	0.49%
04657	Meddybemps	$1,154	N/A	N/A	0.74%
04936	Eustis	$1,154	4.9%	2.56%	0.85%
04981	Stockton Springs	$1,150	7.6%	2.63%	1.15%
04353	Whitefield	$1,150	10.9%	3.37%	0.21%
04951	Monroe	$1,148	239.5%	1.50%	N/A
04259	Monmouth	$1,147	8.4%	1.40%	0.23%
04342	Dresden	$1,147	5.5%	1.72%	N/A
04667	Perry	$1,145	22.1%	3.66%	0.41%
04345	Gardiner	$1,145	31.0%	2.54%	0.42%
04493	West Enfield	$1,144	4.4%	1.49%	1.27%
04967	Pittsfield	$1,144	64.0%	2.60%	0.65%
03906	North Berwick	$1,144	33.5%	5.24%	0.57%
04095	West Newfield	$1,143	9.2%	1.10%	0.92%
04352	Mount Vernon	$1,141	22.5%	2.91%	0.97%
04979	Solon	$1,140	3.4%	1.36%	0.90%
04953	Newport	$1,140	29.9%	2.11%	0.45%
04406	Abbot	$1,137	5.5%	1.35%	N/A
04774	Saint Francis	$1,137	12.2%	0.92%	N/A
04041	Hiram	$1,136	14.5%	1.99%	1.10%
04497	Wytopitlock	$1,135	2.6%	1.22%	N/A
04265	North Monmouth	$1,134	1.8%	0.93%	N/A
04910	Albion	$1,134	16.3%	3.44%	1.23%
04658	Milbridge	$1,133	12.7%	1.87%	0.80%
04276	Rumford	$1,132	26.0%	1.89%	0.85%
04958	North Anson	$1,132	74.9%	2.23%	0.34%
04978	Smithfield	$1,131	6.7%	1.90%	0.32%
04348	Jefferson	$1,131	9.6%	2.02%	0.21%
04974	Searsport	$1,131	32.7%	3.14%	0.94%
04275	Roxbury	$1,128	36.1%	4.13%	N/A
04049	Limington	$1,128	108.2%	2.71%	0.84%
04487	Springfield	$1,128	0.1%	0.44%	1.32%
04294	Wilton	$1,127	64.2%	2.01%	0.75%
04443	Guilford	$1,127	25.5%	1.75%	0.88%
04285	Weld	$1,127	8.2%	1.40%	N/A
04005	Biddeford	$1,125	45.3%	3.33%	0.39%
04989	Vassalboro	$1,125	25.6%	2.51%	0.94%
04473	Orono	$1,123	58.2%	2.41%	0.25%
04932	Dixmont	$1,123	157.4%	1.52%	1.14%
04988	Unity	$1,122	17.9%	2.35%	1.17%
04923	Cambridge	$1,119	0.8%	0.97%	0.97%
04027	Lebanon	$1,117	25.3%	2.14%	0.50%
04956	New Vineyard	$1,117	41.9%	3.77%	N/A
04463	Milo	$1,115	25.7%	1.79%	1.19%
04290	Peru	$1,115	21.5%	2.70%	1.13%
04474	Orrington	$1,114	46.6%	2.71%	0.83%
04254	Livermore Falls	$1,114	120.3%	7.82%	1.00%
04435	Exeter	$1,114	186.9%	1.97%	N/A
04739	Eagle Lake	$1,113	67.4%	3.69%	0.25%
04957	Norridgewock	$1,111	20.9%	1.78%	0.71%
04220	Buckfield	$1,110	60.4%	2.99%	N/A
04963	Oakland	$1,109	21.3%	3.13%	0.27%
04237	Hanover	$1,108	9.3%	0.88%	N/A
03901	Berwick	$1,108	15.3%	2.37%	0.55%
04973	Searsmont	$1,107	204.1%	3.40%	0.26%
04349	Kents Hill	$1,106	5.9%	0.74%	1.23%
04943	Hartland	$1,106	14.8%	2.02%	1.01%
04042	Hollis Center	$1,104	15.6%	1.69%	0.18%
04263	Leeds	$1,103	7.4%	1.21%	0.61%
04084	Standish	$1,102	30.0%	3.47%	0.95%
04927	Clinton	$1,100	51.9%	3.06%	0.97%
04671	Robbinston	$1,099	15.6%	2.70%	0.68%
04777	Stacyville	$1,099	87.1%	5.88%	N/A
04024	East Baldwin	$1,099	12.4%	2.44%	N/A
04605	Ellsworth	$1,098	9.0%	1.79%	0.54%
04076	Shapleigh	$1,098	15.6%	2.50%	0.40%
04268	Norway	$1,098	12.4%	2.25%	0.48%
04039	Gray	$1,097	32.5%	2.83%	0.74%
04938	Farmington	$1,097	17.1%	2.03%	0.68%
04422	Charleston	$1,093	166.6%	0.48%	N/A
04350	Litchfield	$1,092	12.8%	1.74%	0.54%
04038	Gorham	$1,092	26.5%	2.55%	0.58%
04008	Bowdoinham	$1,091	27.0%	2.67%	0.70%
04861	Thomaston	$1,090	7.5%	1.15%	0.57%
04424	Danforth	$1,090	4.8%	0.85%	0.43%
04253	Livermore	$1,087	59.1%	3.13%	0.82%
04942	Harmony	$1,087	11.4%	1.33%	N/A
04224	Dixfield	$1,086	57.8%	1.73%	0.94%
04357	Richmond	$1,086	58.6%	2.58%	0.90%
04924	Canaan	$1,085	8.4%	2.66%	0.97%
04257	Mexico	$1,085	124.0%	1.30%	0.65%
04950	Madison	$1,085	6.9%	2.31%	0.94%
04623	Columbia Falls	$1,084	N/A	N/A	0.45%
04787	Westfield	$1,084	12.2%	1.02%	1.02%
04072	Saco	$1,083	23.3%	2.06%	0.50%
04414	Brownville	$1,083	6.7%	1.20%	0.48%
04468	Old Town	$1,083	9.9%	1.51%	0.41%
04747	Island Falls	$1,082	34.7%	1.00%	0.67%
04984	Temple	$1,080	31.4%	3.08%	0.77%
04048	Limerick	$1,079	10.2%	2.01%	0.56%
04434	Etna	$1,078	7.8%	1.71%	N/A
04085	Steep Falls	$1,078	13.6%	2.45%	1.09%
04289	West Paris	$1,077	6.1%	1.85%	0.31%
04453	Lagrange	$1,077	4.5%	2.33%	N/A
04776	Sherman	$1,076	80.6%	3.87%	0.55%
04485	Shirley Mills	$1,076	N/A	N/A	N/A
04216	Andover	$1,075	20.9%	5.38%	1.92%
04937	Fairfield	$1,074	17.2%	3.52%	0.60%
04479	Sangerville	$1,074	44.2%	3.54%	0.88%
04239	Jay	$1,073	153.8%	12.78%	1.06%
04093	Buxton	$1,071	22.0%	1.61%	0.67%
04841	Rockland	$1,071	33.0%	2.38%	0.52%
04743	Fort Kent	$1,070	27.8%	4.15%	0.80%
04929	Detroit	$1,070	17.6%	3.13%	0.63%
04416	Bucksport	$1,070	27.1%	2.27%	0.65%
04987	Troy	$1,069	4.7%	1.49%	0.50%
04281	South Paris	$1,068	90.3%	2.54%	0.74%
04002	Alfred	$1,068	45.9%	3.60%	0.34%
04106	South Portland	$1,068	23.6%	3.40%	0.36%
04901	Waterville	$1,067	49.5%	3.06%	0.38%
04363	Windsor	$1,067	5.2%	1.33%	0.57%
04949	Liberty	$1,066	25.8%	2.88%	N/A
04757	Mapleton	$1,065	29.7%	2.70%	0.60%
04926	China Village	$1,065	6.9%	2.67%	N/A
04911	Anson	$1,061	11.1%	2.43%	0.73%
04969	Plymouth	$1,060	33.4%	4.17%	N/A
04062	Windham	$1,059	49.3%	2.82%	0.38%
04862	Union	$1,058	7.5%	2.14%	0.29%
04945	Jackman	$1,058	47.2%	1.55%	0.66%
04922	Burnham	$1,058	18.3%	1.62%	0.65%
04408	Aurora	$1,058	N/A	N/A	1.52%
04760	Monticello	$1,058	5.4%	1.77%	N/A
04763	Oakfield	$1,057	79.3%	2.56%	4.27%
04455	Lee	$1,056	5.6%	0.45%	0.45%
04643	Harrington	$1,052	259.8%	0.45%	0.90%
04330	Augusta	$1,052	39.3%	2.98%	0.77%
04976	Skowhegan	$1,046	14.7%	2.29%	0.63%
04481	Sebec	$1,046	19.7%	1.50%	0.50%
04401	Bangor	$1,045	32.7%	3.10%	0.71%
04064	Old Orchard Beach	$1,044	44.4%	2.57%	0.59%
04783	Stockholm	$1,044	53.4%	3.03%	0.61%
04252	Lisbon Falls	$1,042	28.6%	2.19%	0.63%
04955	New Sharon	$1,041	0.3%	0.31%	N/A
04428	Eddington	$1,041	16.5%	2.23%	0.70%
04971	Saint Albans	$1,040	92.2%	3.62%	0.76%
04986	Thorndike	$1,040	10.4%	2.91%	N/A
04415	Brownville Junction	$1,040	233.4%	18.00%	2.00%
04086	Topsham	$1,037	60.9%	1.86%	0.42%
04768	Portage	$1,036	19.8%	3.78%	0.54%
04449	Hudson	$1,036	10.2%	1.80%	0.60%
04730	Houlton	$1,033	22.2%	3.11%	0.54%
04344	Farmingdale	$1,032	4.4%	1.30%	0.74%
04456	Levant	$1,031	7.5%	1.59%	0.32%
04745	Frenchville	$1,030	34.9%	2.82%	2.11%
04061	North Waterboro	$1,030	43.1%	3.06%	0.23%
04758	Mars Hill	$1,027	21.7%	2.87%	0.72%
04488	Stetson	$1,026	3.5%	1.87%	N/A
04083	Springvale	$1,026	48.1%	2.58%	0.78%
04939	Garland	$1,026	140.1%	0.94%	N/A
04411	Bradley	$1,026	44.7%	2.33%	0.29%
04495	Winn	$1,025	13.0%	3.95%	2.63%
04419	Carmel	$1,025	22.4%	1.14%	0.33%
04240	Lewiston	$1,023	47.2%	3.02%	0.66%
04457	Lincoln	$1,022	77.9%	3.74%	0.45%
04427	Corinth	$1,022	15.4%	1.86%	1.12%
04574	Washington	$1,021	11.8%	4.80%	0.53%
04030	East Waterboro	$1,020	22.4%	3.63%	0.63%
04920	Bingham	$1,019	14.7%	1.39%	0.46%
04648	Jonesboro	$1,019	3.2%	0.73%	1.46%
04619	Calais	$1,017	23.8%	2.41%	0.86%
04694	Baileyville	$1,015	22.6%	1.93%	0.18%
04087	Waterboro	$1,013	31.1%	3.21%	0.58%
04417	Burlington	$1,013	210.1%	1.64%	0.82%
04461	Milford	$1,010	6.8%	1.69%	1.50%
04952	Morrill	$1,009	97.2%	0.71%	0.47%
04280	Sabattus	$1,009	38.7%	2.32%	0.70%
04769	Presque Isle	$1,002	60.5%	3.27%	0.72%
04256	Mechanic Falls	$1,001	11.7%	1.71%	0.17%
04928	Corinna	$1,000	2.7%	0.67%	0.67%
04740	Easton	$1,000	44.1%	3.86%	0.43%
04742	Fort Fairfield	$997	13.0%	3.12%	0.82%
04634	Franklin	$997	11.9%	1.67%	0.33%
04779	Sinclair	$996	18.2%	2.16%	3.02%
04460	Medway	$994	31.9%	3.47%	0.77%
04092	Westbrook	$990	31.4%	3.14%	0.49%
04864	Warren	$990	5.2%	1.25%	0.31%
04982	Stratton	$989	1.8%	0.41%	N/A
04438	Frankfort	$986	38.8%	2.97%	0.42%
04965	Palmyra	$985	25.0%	5.32%	0.27%
04490	Topsfield	$983	4.9%	1.82%	N/A
04418	Greenbush	$982	72.0%	2.10%	1.40%
04750	Limestone	$979	27.0%	6.64%	1.40%
04930	Dexter	$978	63.4%	1.85%	1.34%
04073	Sanford	$978	30.4%	2.28%	0.60%
04786	Washburn	$975	7.6%	1.15%	0.86%
04734	Blaine	$974	203.3%	5.26%	N/A
04448	Howland	$971	7.0%	1.67%	0.67%
04412	Brewer	$968	16.1%	3.36%	0.50%
04772	Saint Agatha	$967	14.9%	1.67%	0.42%
04736	Caribou	$957	23.4%	2.96%	0.59%
04462	Millinocket	$956	21.6%	2.43%	1.02%
04450	Kenduskeag	$952	2.2%	0.40%	0.79%
04459	Mattawamkeag	$950	19.8%	1.48%	0.74%
04985	West Forks	$946	0.8%	0.85%	N/A
04250	Lisbon	$946	16.5%	2.36%	1.06%
04430	East Millinocket	$944	156.5%	2.13%	0.53%
04735	Bridgewater	$941	17.8%	4.12%	N/A
04346	Randolph	$925	8.0%	2.08%	0.59%
04746	Grand Isle	$925	20.1%	2.70%	1.80%
04773	Saint David	$917	35.3%	4.66%	0.42%
04756	Madawaska	$908	27.8%	2.53%	0.76%
04785	Van Buren	$878	22.2%	3.96%	0.72%

Maine Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Maine compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Maine

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Maine ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

62.3

33rd of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Maine FIO ZIPs

Most common top hazard

Hurricane

12 of 16 counties

Highest FEMA NRI counties in Maine
County	Risk score	Rating	Top hazard
York	81.5	Relatively Moderate	Hurricane
Aroostook	80.4	Relatively Low	Cold Wave
Penobscot	78.0	Relatively Low	Hurricane

Counties with elevated FEMA hazard ratings in Maine
Hazard	Elevated counties	Share of joined
Winter weather	14	88%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Maine: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,294/yr here).

Alaska $1,288/yr Vermont $1,309/yr Idaho $1,321/yr Ohio $1,263/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.72% here).

Kentucky 0.70% Wisconsin 0.75% Minnesota 0.65% Maryland 0.80%

Frequently Asked Questions

What is the average homeowners insurance cost in Maine? ▼

Averaged across the 395 Maine ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,294 ($1,418 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 27% below the national average of $1,776.

How have insurance premiums changed in Maine? ▼

Maine homeowners insurance premiums changed by +5.3% between 2018 and 2022. The average loss ratio is 29.2%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Maine? ▼

The most expensive ZIP code for homeowners insurance in Maine is 04675, with an average premium of $5,897/yr. The most affordable is 04785 at $878/yr.

What is the nonrenewal rate for Maine homeowners insurance? ▼

Averaged across the Maine ZIP codes that report one (81% of the state's ZIP codes), the nonrenewal rate is 0.72%. This rate has changed by -37.9% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 04101 has the highest nonrenewal rate in the state at 1.06%.

What is a loss ratio and what does Maine's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Maine's average loss ratio is 29.2%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Maine? ▼

The average claim frequency in Maine is 2.51%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,787. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Maine? ▼

Across 16 FEMA National Risk Index counties that join to Maine ZIP codes in the FIO file, the mean county risk score is 62.3 (10% below the 50-state mean of 69.3). The most common county-level top hazard is Hurricane (12 of 16 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (14). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Maine in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Maine ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Maine Homeowners Insurance

How Maine Compares

Data Snapshot: Maine Homeowners Insurance

Loss Ratio Reading: Maine

Premium Trends (2018-2022)

Average premium in Maine, 2018–2022

Most Expensive ZIP Codes in Maine

Most Affordable ZIP Codes in Maine

All ZIP Codes in Maine

Maine Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related