ZIP 05253 Insurance Data

Data Snapshot: ZIP 05253 (East Dorset, VT)

ZIP 05253 (East Dorset, VT) shows an average homeowners insurance premium of $2,124 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 20 reported policies. That is 20% above the national average of $1,776 per year, placing this ZIP in the 80th percentile nationally. Compared to the Vermont state average of $1,309, this ZIP runs 62% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 05253 is 128.9%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 5.15%, and the average claim severity (amount paid per claim) is $53,107. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.06% in this ZIP, a rise of 300.0% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 05253 have fallen by 0.0%, ranging from $2,086 to $2,200 with a five-year average of $2,134 — an annualized rate of 0.0% 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.