ZIP 12525 Insurance Data

Data Snapshot: ZIP 12525 (Gardiner, NY)

ZIP 12525 (Gardiner, NY) shows an average homeowners insurance premium of $1,732 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 54 reported policies. That is 2% below the national average of $1,776 per year, placing this ZIP in the 62th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 9% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 12525 is 13.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.71%, and the average claim severity (amount paid per claim) is $8,390. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.57% in this ZIP, a rise of 285.2% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 12525 have risen by 4.2%, ranging from $1,663 to $1,732 with a five-year average of $1,694 — an annualized rate of +1.0% 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.