ZIP 11970 Insurance Data

Data Snapshot: ZIP 11970 (South Jamesport, NY)

ZIP 11970 (South Jamesport, NY) shows an average homeowners insurance premium of $3,239 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 358 reported policies. That is 82% above the national average of $1,776 per year, placing this ZIP in the 96th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 71% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 11970 is 405.6%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 3.77%, and the average claim severity (amount paid per claim) is $348,142.

Across 5 years (2018–2022), premiums in ZIP 11970 have risen by 4.0%, ranging from $3,083 to $3,358 with a five-year average of $3,224 — 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.