ZIP 12169 Insurance Data

Data Snapshot: ZIP 12169 (Stephentown, NY)

ZIP 12169 (Stephentown, NY) shows an average homeowners insurance premium of $1,405 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 12 reported policies. That is 21% below the national average of $1,776 per year, placing this ZIP in the 39th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 26% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.10% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 12169 have fallen by 5.1%, ranging from $1,352 to $1,480 with a five-year average of $1,411 — an annualized rate of -1.3% 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.