Lowell, MA

10 ZIP codes — Massachusetts

Compare quotes in Lowell, MA

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Avg Premium (2025 Est.)

$1,978

+11.1% from 2022

Stress Score

47/100

Nonrenewal Rate

1.12%

Insurance/Income

1.4%

ZIP Codes in Lowell

ZIP	Avg Premium	Stress Score	Risk
01850	$1,641	55	Elevated
01851	$1,634	50	Elevated
01854	$1,607	49	Elevated
01741	$3,178	48	Elevated
01852	$1,708	48	Elevated
01879	$1,635	47	Elevated
01863	$1,523	46	Elevated
01862	$1,577	43	Elevated
01824	$1,578	40	Moderate
01886	$1,725	39	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.