ZIP 12449 Insurance Data

Data Snapshot: ZIP 12449 (Lake Katrine, NY)

ZIP 12449 (Lake Katrine, NY) shows an average homeowners insurance premium of $1,142 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 359 reported policies. That is 36% below the national average of $1,776 per year, placing this ZIP in the 18th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 40% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 12449 is 96.7%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 9.47%, and the average claim severity (amount paid per claim) is $11,664. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.24% in this ZIP, a drop of 4.1% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 12449 have risen by 6.4%, ranging from $1,073 to $1,142 with a five-year average of $1,099 — an annualized rate of +1.6% 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.