InsureWatch

21217

High62

Baltimore, Maryland — Baltimore city County

Pop. 31,634Median Income $36,665Median Home $163,400
0/ 100High Risk

2025 Estimated Premium

$2,310/yr

+16.5% from 2022 actual ($1,982)

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

Avg Premium (2022)

$1,982

+3.9%

2018–2025

Nonrenewal Rate

0.99%

2018–2022

Claim Frequency

6.2%

Avg Claim Amount

$25,533

Score Breakdown

Premium Level (25%)75
Premium Trend (20%)69
Nonrenewal Risk (20%)54
Storm Exposure (15%)42
Affordability (10%)96
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201811 events2 fatalities
Property damage$3,000,000
1 tornado1 hail8 flood
19
20192 events
Property damage$0
1 flood
20
202010 events
Property damage$30,000
21
202113 events
Property damage$548,000
4 hail2 flood
22
20224 events
Property damage$86,000
1 flood
23
202311 events
Property damage$23,000
1 hail3 flood
24
20247 events
Property damage$2,490,000
2 tornado
25
20253 events
Property damage$510,000
2 tornado1 flood

Nearby ZIP Codes

21201Baltimore, MD
53Elevated
21211Baltimore, MD
38Moderate
21202Baltimore, MD
61High
21216Baltimore, MD
62High
21223Baltimore, MD
58Elevated

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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.