ZIP 03586 Insurance Data

Data Snapshot: ZIP 03586 (Sugar Hill, NH)

ZIP 03586 (Sugar Hill, NH) shows an average homeowners insurance premium of $1,740 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 12 reported policies. That is 2% below the national average of $1,776 per year, placing this ZIP in the 63th percentile nationally. Compared to the New Hampshire state average of $1,428, this ZIP runs 22% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 03586 is 16.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.96%, and the average claim severity (amount paid per claim) is $14,792.

Across 5 years (2018–2022), premiums in ZIP 03586 have risen by 7.9%, ranging from $1,613 to $1,740 with a five-year average of $1,690 — 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.