ZIP 02647 Insurance Data

Data Snapshot: ZIP 02647 (Hyannis Port, MA)

ZIP 02647 (Hyannis Port, MA) shows an average homeowners insurance premium of $11,286 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 105 reported policies. That is 536% above the national average of $1,776 per year, placing this ZIP in the 100th percentile nationally. Compared to the Massachusetts state average of $2,294, this ZIP runs 392% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 02647 is 0.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.88%, and the average claim severity (amount paid per claim) is $1,940.

Across 5 years (2018–2022), premiums in ZIP 02647 have risen by 8.7%, ranging from $10,385 to $12,977 with a five-year average of $11,402 — an annualized rate of +2.1% 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.