ZIP 02630 Insurance Data

Data Snapshot: ZIP 02630 (Barnstable, MA)

ZIP 02630 (Barnstable, MA) shows an average homeowners insurance premium of $3,824 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 178 reported policies. That is 115% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Massachusetts state average of $2,294, this ZIP runs 67% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 02630 is 38.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.39%, and the average claim severity (amount paid per claim) is $27,174. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.77% in this ZIP, a drop of 19.3% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 02630 have fallen by 11.5%, ranging from $3,691 to $4,320 with a five-year average of $3,942 — an annualized rate of -3.0% 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.