ZIP 01770 Insurance Data

Data Snapshot: ZIP 01770 (Sherborn, MA)

ZIP 01770 (Sherborn, MA) shows an average homeowners insurance premium of $3,063 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 100 reported policies. That is 73% above the national average of $1,776 per year, placing this ZIP in the 95th percentile nationally. Compared to the Massachusetts state average of $2,294, this ZIP runs 34% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 01770 is 87.8%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 5.46%, and the average claim severity (amount paid per claim) is $49,249. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.56% in this ZIP, a drop of 57.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 01770 have risen by 4.0%, ranging from $2,946 to $3,126 with a five-year average of $3,049 — an annualized rate of +1.0% 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.