37185

Elevated59

Waverly, Tennessee — Humphreys County

Pop. 9,125Median Income $50,403Median Home $178,100

2025 Estimated Premium

$1,923/yr

+12.5% from 2022 actual ($1,710)

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

Avg Premium (2022)

$1,710

-1.9%

2018–2025

Nonrenewal Rate

1.03%

2018–2022

Claim Frequency

2.7%

Avg Claim Amount

$14,791

Score Breakdown

Premium Level (25%)61

Premium Trend (20%)40

Nonrenewal Risk (20%)56

Storm Exposure (15%)92

Affordability (10%)80

Flood Risk (10%)30

Storm History (5-Year Timeline)

20186 events

Property damage$30,000

20195 events

Property damage$2,421,000

1 flood

20204 events

Property damage$197,190

2 tornado

202112 events20 fatalities

Property damage$100,158,000

1 tornado8 flood

20221 events

Property damage$5,000

20234 events

Property damage$10,000

3 hail

202524 events

Property damage$592,000

3 tornado13 flood

Nearby ZIP Codes

37134New Johnsonville, TN

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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.