Some property and business owners are drawn to affluent neighborhoods because such communities boast ample services, luxe architecture, well-funded schools and the reputation of being safe, clean places to live and raise a family. The more high-end the neighborhood, however, the less likely it may be to feature diverse inhabitants or relatively affordable goods and services including homeowners or business owner's insurance. Once again, PropertyShark has ranked U.S. ZIP codes based on medium home prices to uncover the most expensive bergs in the country. The slideshow above illustrates this year's results. Among the takeaways from PropertyShark's 2022 research: |

• 14 ZIP codes in the U.S. have median home prices that exceed $4 million.
• Atherton, Calif. has the most expensive ZIP code for the sixth consecutive year.
• Los Angeles County remains the country's priciest with 21 ZIP codes on the list.

Why should insurance agents, brokers and executives take note of the financials related to the ZIP codes where policyholders and prospects reside? Because insured-property ZIP codes are one of the factors underwriters consider when quoting the premium for a given policy. ZIP codes also can inform historic risk monitoring as well as provide insight into property history, crime rates and road conditions. See also: |

• 10 most expensive ZIP codes of 2021
• The 11 most expensive U.S. ZIP codes of 2020
• 10 least expensive U.S. ZIP codes for home insurance in 2020