ZIP 06332 Insurance Data

Data Snapshot: ZIP 06332 (Central Village, CT)

ZIP 06332 (Central Village, CT) shows an average homeowners insurance premium of $1,721 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 216 reported policies. That is 3% below the national average of $1,776 per year, placing this ZIP in the 62th percentile nationally. Compared to the Connecticut state average of $2,258, this ZIP runs 24% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 06332 is 1.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.85%, and the average claim severity (amount paid per claim) is $2,395.

Across 5 years (2018–2022), premiums in ZIP 06332 have risen by 0.3%, ranging from $1,569 to $1,721 with a five-year average of $1,653 — an annualized rate of +0.1% 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.