ZIP 04558 Insurance Data

Data Snapshot: ZIP 04558 (Pemaquid, ME)

ZIP 04558 (Pemaquid, ME) shows an average homeowners insurance premium of $1,895 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 28 reported policies. That is 7% above the national average of $1,776 per year, placing this ZIP in the 71th percentile nationally. Compared to the Maine state average of $1,294, this ZIP runs 46% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 04558 is 0.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.66%, and the average claim severity (amount paid per claim) is $34.

Across 5 years (2018–2022), premiums in ZIP 04558 have risen by 4.0%, ranging from $1,721 to $1,925 with a five-year average of $1,840 — an annualized rate of +1.0% 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.