ZIP 12496 Insurance Data

Data Snapshot: ZIP 12496 (Windham, NY)

ZIP 12496 (Windham, NY) shows an average homeowners insurance premium of $2,300 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 13 reported policies. That is 30% above the national average of $1,776 per year, placing this ZIP in the 84th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 21% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 12496 is 19.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.69%, and the average claim severity (amount paid per claim) is $26,319. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.26% in this ZIP, a rise of 73.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 12496 have risen by 0.9%, ranging from $2,256 to $2,348 with a five-year average of $2,302 — an annualized rate of +0.2% 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.