ZIP 04650 Insurance Data

Data Snapshot: ZIP 04650 (Little Deer Isle, ME)

ZIP 04650 (Little Deer Isle, ME) shows an average homeowners insurance premium of $2,048 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 23 reported policies. That is 15% above the national average of $1,776 per year, placing this ZIP in the 77th percentile nationally. Compared to the Maine state average of $1,294, this ZIP runs 58% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 04650 is 6.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.81%, and the average claim severity (amount paid per claim) is $15,120.

Across 5 years (2018–2022), premiums in ZIP 04650 have fallen by 3.2%, ranging from $1,914 to $2,155 with a five-year average of $2,040 — an annualized rate of -0.8% 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.