Syracuse, NY

9 ZIP codes — New York

Compare quotes in Syracuse, NY

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Avg Premium (2025 Est.)

$1,175

+12.9% from 2022

Stress Score

31/100

Nonrenewal Rate

0.48%

Insurance/Income

1.9%

ZIP Codes in Syracuse

ZIP	Avg Premium	Stress Score	Risk
13203	$1,206	36	Moderate
13204	$1,041	34	Moderate
13205	$959	34	Moderate
13207	$1,021	33	Moderate
13224	$1,141	32	Moderate
13208	$922	30	Moderate
13210	$1,082	30	Moderate
13206	$910	25	Moderate
13215	$1,085	24	Moderate

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.