InsureWatch

42301

Moderate35

Owensboro, Kentucky — Daviess County

Pop. 45,851Median Income $59,478Median Home $168,300
0/ 100Moderate Risk

2025 Estimated Premium

$1,481/yr

+8.5% from 2022 actual ($1,365)

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

Avg Premium (2022)

$1,365

+0.6%

2018–2025

Nonrenewal Rate

0.44%

2018–2022

Claim Frequency

5.1%

Avg Claim Amount

$9,109

Score Breakdown

Premium Level (25%)36
Premium Trend (20%)53
Nonrenewal Risk (20%)14
Storm Exposure (15%)30
Affordability (10%)54
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201822 events
Property damage$360,000
3 tornado3 hail9 flood
19
201919 events
Property damage$281,000
3 hail9 flood
20
20209 events
Property damage$180,000
1 hail7 flood
21
20215 events
Property damage$41,000
3 flood
22
20228 events
Property damage$26,000
4 hail2 flood
23
202320 events
Property damage$360,000
6 hail4 flood
24
202422 events
Property damage$531,000
3 tornado2 hail3 flood
25
202519 events
Property damage$2,075,000
12 hail4 flood

Nearby ZIP Codes

42303Owensboro, KY
38Moderate
42327Beech Grove, KY
53Elevated
42376Masonville, KY
41Elevated
42458Spottsville, KY
45Elevated
42451Spottsville, KY
53Elevated

Compare home insurance quotes in Owensboro, KY

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Owensboro, KY? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Owensboro, KY.

Compare this ZIP

See how 42301 stacks up against another ZIP code or city.

Compare Now

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.