ZIP 05866 Insurance Data

Data Snapshot: ZIP 05866 (Sheffield, VT)

ZIP 05866 (Sheffield, VT) shows an average homeowners insurance premium of $1,154 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 8 reported policies. That is 35% below the national average of $1,776 per year, placing this ZIP in the 19th percentile nationally. Compared to the Vermont state average of $1,309, this ZIP runs 12% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 05866 is 1.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.73%, and the average claim severity (amount paid per claim) is $2,500.

Across 5 years (2018–2022), premiums in ZIP 05866 have risen by 4.9%, ranging from $1,100 to $1,154 with a five-year average of $1,129 — an annualized rate of +1.2% 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.