ZIP 12725 Insurance Data

Data Snapshot: ZIP 12725 (Claryville, NY)

ZIP 12725 (Claryville, NY) shows an average homeowners insurance premium of $1,523 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 14% below the national average of $1,776 per year, placing this ZIP in the 48th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 20% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 12725 have fallen by 17.3%, ranging from $1,404 to $1,840 with a five-year average of $1,596 — an annualized rate of -4.6% 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.