ZIP 04497 Insurance Data

Data Snapshot: ZIP 04497 (Wytopitlock, ME)

ZIP 04497 (Wytopitlock, ME) shows an average homeowners insurance premium of $1,135 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 36% below the national average of $1,776 per year, placing this ZIP in the 18th percentile nationally. Compared to the Maine state average of $1,294, this ZIP runs 12% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 04497 is 2.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.22%, and the average claim severity (amount paid per claim) is $2,397.

Across 5 years (2018–2022), premiums in ZIP 04497 have risen by 19.8%, ranging from $947 to $1,135 with a five-year average of $1,020 — an annualized rate of +4.6% 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.