ZIP 12489 Insurance Data

Data Snapshot: ZIP 12489 (Wawarsing, NY)

ZIP 12489 (Wawarsing, NY) shows an average homeowners insurance premium of $1,250 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 81 reported policies. That is 30% below the national average of $1,776 per year, placing this ZIP in the 27th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 34% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 12489 is 6.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.25%, and the average claim severity (amount paid per claim) is $6,438.

Across 5 years (2018–2022), premiums in ZIP 12489 have fallen by 9.5%, ranging from $1,245 to $1,381 with a five-year average of $1,293 — an annualized rate of -2.5% 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.