Barnstable Town, MA

10 ZIP codes — Massachusetts

Compare quotes in Barnstable Town, MA

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Avg Premium (2025 Est.)

$5,427

+11.7% from 2022

Stress Score

62/100

Nonrenewal Rate

0.59%

Insurance/Income

4.1%

ZIP Codes in Barnstable Town

ZIP	Avg Premium	Stress Score	Risk
02672	$5,826	70	High
02635	$4,522	66	High
02637	$3,552	66	High
02601	$2,853	65	High
02630	$3,824	65	High
02655	$7,721	59	Elevated
02647	$11,286	58	Elevated
02668	$3,121	58	Elevated
02632	$3,114	55	Elevated
02648	$2,763	54	Elevated

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.