ZIP 01438 Insurance Data

Data Snapshot: ZIP 01438 (East Templeton, MA)

ZIP 01438 (East Templeton, MA) shows an average homeowners insurance premium of $1,375 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 398 reported policies. That is 23% below the national average of $1,776 per year, placing this ZIP in the 37th percentile nationally. Compared to the Massachusetts state average of $2,294, this ZIP runs 40% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.49% in this ZIP, a rise of 31.3% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 01438 have fallen by 1.7%, ranging from $1,263 to $1,431 with a five-year average of $1,365 — an annualized rate of -0.4% 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.