ZIP 12846 Insurance Data

Data Snapshot: ZIP 12846 (Lake Luzerne, NY)

ZIP 12846 (Lake Luzerne, NY) shows an average homeowners insurance premium of $1,129 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 21 reported policies. That is 36% below the national average of $1,776 per year, placing this ZIP in the 17th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 40% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 12846 is 99.4%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 2.81%, and the average claim severity (amount paid per claim) is $39,919. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.38% in this ZIP, a drop of 2.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 12846 have risen by 7.3%, ranging from $1,052 to $1,129 with a five-year average of $1,087 — an annualized rate of +1.8% 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.