ZIP 03233 Insurance Data

Data Snapshot: ZIP 03233 (Elkins, NH)

ZIP 03233 (Elkins, NH) shows an average homeowners insurance premium of $2,459 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 78 reported policies. That is 38% above the national average of $1,776 per year, placing this ZIP in the 88th percentile nationally. Compared to the New Hampshire state average of $1,428, this ZIP runs 72% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 03233 is 1.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.92%, and the average claim severity (amount paid per claim) is $797.

Across 5 years (2018–2022), premiums in ZIP 03233 have risen by 11.9%, ranging from $2,188 to $2,459 with a five-year average of $2,270 — an annualized rate of +2.8% 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.