ZIP 11978 Insurance Data

Data Snapshot: ZIP 11978 (Westhampton Beach, NY)

ZIP 11978 (Westhampton Beach, NY) shows an average homeowners insurance premium of $9,722 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 99 reported policies. That is 448% 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 413% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 11978 is 9.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.23%, and the average claim severity (amount paid per claim) is $28,535. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.37% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 11978 have fallen by 7.9%, ranging from $9,460 to $10,561 with a five-year average of $9,856 — an annualized rate of -2.0% 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.