17512

Moderate27

Columbia, Pennsylvania — Lancaster County

Pop. 18,044Median Income $59,496Median Home $202,100

2025 Estimated Premium

$1,078/yr

+13.6% from 2022 actual ($949)

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

Avg Premium (2022)

$949

+2.8%

2018–2025

Nonrenewal Rate

0.47%

2018–2022

Claim Frequency

6.4%

Avg Claim Amount

$17,831

Score Breakdown

Premium Level (25%)5

Premium Trend (20%)64

Nonrenewal Risk (20%)16

Storm Exposure (15%)30

Affordability (10%)23

Flood Risk (10%)30

Storm History (5-Year Timeline)

201822 events

Property damage$89,000

9 flood

201939 events

Property damage$235,000

2 tornado8 hail1 flood

202029 events

Property damage$88,000

2 hail2 flood

202137 events

Property damage$145,000

2 hail4 flood

202226 events

Property damage$414,000

1 tornado6 hail

202331 events2 fatalities

Property damage$253,000

1 tornado1 hail2 flood

202423 events

Property damage$64,000

2 hail4 flood

202576 events1 fatalities

Property damage$210,500

2 tornado2 hail41 flood

Nearby ZIP Codes

17554Mountville, PA

28Moderate

17582Washington Boro, PA

30Moderate

17368Wrightsville, PA

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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.