ZIP 03853 Insurance Data

Data Snapshot: ZIP 03853 (Mirror Lake, NH)

ZIP 03853 (Mirror Lake, NH) shows an average homeowners insurance premium of $2,103 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 29 reported policies. That is 18% above the national average of $1,776 per year, placing this ZIP in the 79th percentile nationally. Compared to the New Hampshire state average of $1,428, this ZIP runs 47% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 03853 is 2.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.99%, and the average claim severity (amount paid per claim) is $5,260. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.33% in this ZIP, a drop of 53.0% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 03853 have risen by 12.4%, ranging from $1,871 to $2,103 with a five-year average of $1,970 — an annualized rate of +3.0% 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.