ZIP 03911 Insurance Data

Data Snapshot: ZIP 03911 (York Harbor, ME)

ZIP 03911 (York Harbor, ME) shows an average homeowners insurance premium of $3,406 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 277 reported policies. That is 92% above the national average of $1,776 per year, placing this ZIP in the 97th percentile nationally. Compared to the Maine state average of $1,294, this ZIP runs 163% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.13% in this ZIP, a rise of 10.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 03911 have risen by 12.8%, ranging from $2,936 to $3,406 with a five-year average of $3,162 — 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.