InsureWatch

13743

Moderate37

Candor, New York — Tioga County

Pop. 3,394Median Income $54,693Median Home $148,400
0/ 100Moderate Risk

2025 Estimated Premium

$1,115/yr

+13.9% from 2022 actual ($979)

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

Avg Premium (2022)

$979

+0.9%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

4.6%

Avg Claim Amount

$7,417

Score Breakdown

Premium Level (25%)6
Premium Trend (20%)54
Nonrenewal Risk (20%)50
Storm Exposure (15%)54
Affordability (10%)33
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201821 events
Property damage$700,000
10 flood
19
201919 events
Property damage$160,000
2 hail2 flood
20
202017 events
Property damage$110,000
4 flood
21
202115 events
Property damage$120,900
22
20226 events
Property damage$18,000
23
202313 events
Property damage$31,200
3 hail
24
202412 events
Property damage$28,500
25
20258 events
Property damage$414,000
5 flood

Nearby ZIP Codes

13864Candor, NY
37Moderate
14883West Danby, NY
32Moderate
13827Owego, NY
27Moderate
14817Brooktondale, NY
23Moderate
13734Nichols, NY
37Moderate

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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.