ZIP 14767 Insurance Data

Data Snapshot: ZIP 14767 (Panama, NY)

ZIP 14767 (Panama, NY) shows an average homeowners insurance premium of $868 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 15 reported policies. That is 51% below the national average of $1,776 per year, placing this ZIP in the 1th percentile nationally. Compared to the New York state average of $1,896, this ZIP runs 54% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 14767 is 0.5%, meaning insurers retained a working margin after claims.

Across 5 years (2018–2022), premiums in ZIP 14767 have fallen by 8.9%, ranging from $830 to $953 with a five-year average of $895 — an annualized rate of -2.3% 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.