ZIP 06390 Insurance Data

Data Snapshot: ZIP 06390 (Fishers Island, NY)

ZIP 06390 (Fishers Island, NY) shows an average homeowners insurance premium of $15,382 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 22 reported policies. That is 766% above the national average of $1,776 per year, placing this ZIP in the 100th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 711% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 06390 is 0.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 0.34%, and the average claim severity (amount paid per claim) is $12.

Across 5 years (2018–2022), premiums in ZIP 06390 have risen by 4.1%, ranging from $13,835 to $15,382 with a five-year average of $14,709 — an annualized rate of +1.0% 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.