ZIP 12457 Insurance Data

Data Snapshot: ZIP 12457 (Mount Tremper, NY)

ZIP 12457 (Mount Tremper, NY) shows an average homeowners insurance premium of $2,209 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 21 reported policies. That is 24% above the national average of $1,776 per year, placing this ZIP in the 82th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 16% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 12457 is 85.8%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 4.92%, and the average claim severity (amount paid per claim) is $38,530. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.55% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 12457 have risen by 9.3%, ranging from $2,022 to $2,236 with a five-year average of $2,162 — an annualized rate of +2.2% 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.