ZIP 14091 Insurance Data

Data Snapshot: ZIP 14091 (Lawtons, NY)

ZIP 14091 (Lawtons, NY) shows an average homeowners insurance premium of $995 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 19 reported policies. That is 44% below the national average of $1,776 per year, placing this ZIP in the 7th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 48% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 14091 is 16.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.29%, and the average claim severity (amount paid per claim) is $12,710.

Across 5 years (2018–2022), premiums in ZIP 14091 have fallen by 2.6%, ranging from $995 to $1,044 with a five-year average of $1,018 — 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.