InsureWatch

14025

Low19

Springville, New York — Erie County

Pop. 3,754Median Income $105,303Median Home $228,600
0/ 100Low Risk

2025 Estimated Premium

$1,138/yr

+12.4% from 2022 actual ($1,013)

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

Avg Premium (2022)

$1,013

-3.5%

2018–2025

Nonrenewal Rate

0.30%

2018–2022

Claim Frequency

2.8%

Avg Claim Amount

$5,229

Score Breakdown

Premium Level (25%)8
Premium Trend (20%)32
Nonrenewal Risk (20%)6
Storm Exposure (15%)43
Affordability (10%)1
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201814 events
Property damage$297,500
1 tornado2 flood
19
201920 events
Property damage$77,000
13 flood
20
202055 events
Property damage$352,000
1 tornado11 hail11 flood
21
202132 events
Property damage$26,600
4 flood
22
20227 events
Property damage$5,500
2 hail
23
202328 events
Property damage$35,300
24
202442 events
Property damage$31,500
4 tornado7 hail4 flood
25
202510 events
Property damage$6,000
1 hail3 flood

Nearby ZIP Codes

14033Orchard Park, NY
33Moderate
14069Holland, NY
38Moderate
14170Orchard Park, NY
27Moderate
14141Springville, NY
27Moderate
14055Holland, 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.