ZIP 03597 Insurance Data

Data Snapshot: ZIP 03597 (West Stewartstown, NH)

ZIP 03597 (West Stewartstown, NH) shows an average homeowners insurance premium of $889 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 50% below the national average of $1,776 per year, placing this ZIP in the 2th percentile nationally. Compared to the New Hampshire state average of $1,428, this ZIP runs 38% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 03597 is 113.7%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 3.45%, and the average claim severity (amount paid per claim) is $29,324.

Across 5 years (2018–2022), premiums in ZIP 03597 have fallen by 12.1%, ranging from $889 to $1,011 with a five-year average of $968 — an annualized rate of -3.2% 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.