InsureWatch

14435

Moderate32

Conesus Lake, New York — Livingston County

Pop. 2,296Median Income $69,097Median Home $186,600
0/ 100Moderate Risk

2025 Estimated Premium

$1,065/yr

+13.0% from 2022 actual ($943)

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

Avg Premium (2022)

$943

+1.6%

2018–2025

Nonrenewal Rate

0.81%

2018–2022

Claim Frequency

2.4%

Avg Claim Amount

$11,178

Score Breakdown

Premium Level (25%)4
Premium Trend (20%)58
Nonrenewal Risk (20%)41
Storm Exposure (15%)43
Affordability (10%)12
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20183 events
Property damage$4,000
1 hail
19
201917 events
Property damage$37,000
3 hail1 flood
20
202015 events
Property damage$22,000
1 hail2 flood
21
202114 events
Property damage$21,000
1 tornado1 flood
22
202213 events
Property damage$332,000
23
20235 events
Property damage$13,000
24
202421 events
Property damage$22,500
1 hail2 flood
25
202529 events
Property damage$57,000
7 hail9 flood

Nearby ZIP Codes

14560Springwater, NY
31Moderate
14462Groveland Station, NY
36Moderate
14466Hemlock, NY
25Moderate
14487Conesus Lake, NY
24Moderate
14454Geneseo, NY
27Moderate

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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.