ZIP 10065 Insurance Data

Data Snapshot: ZIP 10065 (New York, NY)

ZIP 10065 (New York, NY) shows an average homeowners insurance premium of $15,332 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 32,772 reported policies. That is 763% 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 709% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 10065 is 36.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 10.53%, and the average claim severity (amount paid per claim) is $52,615. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.96% in this ZIP, a drop of 42.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 10065 have risen by 73.5%, ranging from $8,838 to $15,332 with a five-year average of $11,243 — an annualized rate of +14.8% 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.