ZIP 12132 Insurance Data

Data Snapshot: ZIP 12132 (North Chatham, NY)

ZIP 12132 (North Chatham, NY) shows an average homeowners insurance premium of $2,164 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 70 reported policies. That is 22% above the national average of $1,776 per year, placing this ZIP in the 81th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 14% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 12132 have risen by 4.3%, ranging from $2,063 to $2,164 with a five-year average of $2,102 — an annualized rate of +1.1% 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.