ZIP 12422 Insurance Data

Data Snapshot: ZIP 12422 (Durham, NY)

ZIP 12422 (Durham, NY) shows an average homeowners insurance premium of $1,671 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 12 reported policies. That is 6% below the national average of $1,776 per year, placing this ZIP in the 58th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 12% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.75% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 12422 have risen by 17.3%, ranging from $1,425 to $1,671 with a five-year average of $1,526 — an annualized rate of +4.1% 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.