ZIP 05149 Insurance Data

Data Snapshot: ZIP 05149 (Ludlow, VT)

ZIP 05149 (Ludlow, VT) shows an average homeowners insurance premium of $1,744 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 18 reported policies. That is 2% below the national average of $1,776 per year, placing this ZIP in the 63th percentile nationally. Compared to the Vermont state average of $1,309, this ZIP runs 33% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 05149 is 88.7%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 3.99%, and the average claim severity (amount paid per claim) is $38,739. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.18% in this ZIP, a rise of 104.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 05149 have fallen by 5.7%, ranging from $1,744 to $1,886 with a five-year average of $1,813 — an annualized rate of -1.4% 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.