ZIP 13436 Insurance Data

Data Snapshot: ZIP 13436 (Raquette Lake, NY)

ZIP 13436 (Raquette Lake, NY) shows an average homeowners insurance premium of $2,117 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 19% above the national average of $1,776 per year, placing this ZIP in the 79th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 12% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.06% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 13436 have fallen by 2.9%, ranging from $2,039 to $2,180 with a five-year average of $2,115 — an annualized rate of -0.7% 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.