InsureWatch

23451

High75

Virginia Beach, Virginia — Virginia Beach city County

Pop. 43,641Median Income $93,172Median Home $537,900
0/ 100High Risk

2025 Estimated Premium

$4,099/yr

+14.0% from 2022 actual ($3,595)

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

Avg Premium (2022)

$3,595

+1.7%

2018–2025

Nonrenewal Rate

5.51%

2018–2022

Claim Frequency

4.5%

Avg Claim Amount

$26,263

Score Breakdown

Premium Level (25%)97
Premium Trend (20%)58
Nonrenewal Risk (20%)99
Storm Exposure (15%)54
Affordability (10%)86
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201811 events
Property damage$6,000
3 flood
19
201928 events
Property damage$38,000
1 hail1 flood
20
202020 events
Property damage$15,000
1 hail9 flood
21
20216 events
Property damage$15,000
22
202213 events
Property damage$31,000
2 flood
23
202316 events
Property damage$20,003,000
1 tornado4 hail5 flood
24
202428 events
Property damage$15,000
11 flood
25
202531 events
Property damage$8,000
6 hail21 flood

Nearby ZIP Codes

23454Virginia Beach, VA
68High
23452Virginia Beach, VA
64High
23453Virginia Beach, VA
63High
23455Virginia Beach, VA
68High
23462Virginia Beach, VA
59Elevated

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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.