ZIP 13863 Insurance Data

Data Snapshot: ZIP 13863 (Willet, NY)

ZIP 13863 (Willet, NY) shows an average homeowners insurance premium of $789 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 17 reported policies. That is 56% below the national average of $1,776 per year, placing this ZIP in the 0th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 58% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 13863 is 94.2%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 6.76%, and the average claim severity (amount paid per claim) is $10,997.

Across 5 years (2018–2022), premiums in ZIP 13863 have fallen by 2.1%, ranging from $761 to $849 with a five-year average of $798 — an annualized rate of -0.5% 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.