ZIP 02643 Insurance Data

Data Snapshot: ZIP 02643 (East Orleans, MA)

ZIP 02643 (East Orleans, MA) shows an average homeowners insurance premium of $6,180 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 5 reported policies. That is 248% above the national average of $1,776 per year, placing this ZIP in the 99th percentile nationally. Compared to the Massachusetts state average of $2,294, this ZIP runs 169% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 02643 is 3.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.05%, and the average claim severity (amount paid per claim) is $4,711.

Across 5 years (2018–2022), premiums in ZIP 02643 have risen by 7.8%, ranging from $5,653 to $6,180 with a five-year average of $5,939 — an annualized rate of +1.9% 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.