ZIP 07717 Insurance Data

Data Snapshot: ZIP 07717 (Avon By The Sea, NJ)

ZIP 07717 (Avon By The Sea, NJ) shows an average homeowners insurance premium of $4,123 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,726 reported policies. That is 132% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the New Jersey state average of $1,858, this ZIP runs 122% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 07717 is 2.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.38%, and the average claim severity (amount paid per claim) is $4,746. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.40% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 07717 have risen by 12.8%, ranging from $3,656 to $4,123 with a five-year average of $3,915 — an annualized rate of +3.0% 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.