ZIP 06414 Insurance Data

Data Snapshot: ZIP 06414 (Cobalt, CT)

ZIP 06414 (Cobalt, CT) shows an average homeowners insurance premium of $1,932 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 284 reported policies. That is 9% above the national average of $1,776 per year, placing this ZIP in the 73th percentile nationally. Compared to the Connecticut state average of $2,258, this ZIP runs 14% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 06414 have fallen by 5.0%, ranging from $1,801 to $2,032 with a five-year average of $1,903 — an annualized rate of -1.3% 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.