InsureWatch

12072

Moderate24

Fultonville, New York — Montgomery County

Pop. 2,992Median Income $75,380Median Home $158,200
0/ 100Moderate Risk

2025 Estimated Premium

$1,158/yr

+11.4% from 2022 actual ($1,039)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,039

+1.3%

2018–2025

Nonrenewal Rate

0.27%

2018–2022

Claim Frequency

0.5%

Avg Claim Amount

$16,068

Score Breakdown

Premium Level (25%)10
Premium Trend (20%)56
Nonrenewal Risk (20%)4
Storm Exposure (15%)32
Affordability (10%)13
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20185 events
Property damage$0
19
201929 events
Property damage$0
8 flood
20
202021 events
Property damage$30,000
1 tornado1 hail1 flood
21
202129 events
Property damage$100,000
3 hail9 flood
22
202217 events
Property damage$160,000
6 flood
23
202323 events
Property damage$3,000
2 hail5 flood
24
202418 events
Property damage$0
2 flood
25
20256 events
Property damage$1,000
1 flood

Nearby ZIP Codes

12068Tribes Hill, NY
28Moderate
12177Tribes Hill, NY
34Moderate
12166Canajoharie, NY
37Moderate
12066Esperance, NY
30Moderate
12160Central Bridge, NY
36Moderate

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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.