InsureWatch

43116

Elevated43

Commercial Point, Ohio — Pickaway County

Pop. 2,716Median Income $112,695Median Home $327,600
0/ 100Elevated Risk

2025 Estimated Premium

$1,537/yr

+12.1% from 2022 actual ($1,372)

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

Avg Premium (2022)

$1,372

-1.9%

2018–2025

Nonrenewal Rate

1.06%

2018–2022

Claim Frequency

4.5%

Avg Claim Amount

$11,591

Score Breakdown

Premium Level (25%)37
Premium Trend (20%)40
Nonrenewal Risk (20%)58
Storm Exposure (15%)71
Affordability (10%)6
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201813 events
Property damage$104,000
2 hail4 flood
19
201931 events
Property damage$2,568,000
2 tornado15 flood
20
20206 events
Property damage$8,000
2 hail1 flood
21
20217 events
Property damage$320,000
2 tornado
22
202211 events
Property damage$265,100
1 tornado6 flood
23
20232 events
Property damage$150,200
1 tornado
24
202414 events
Property damage$262,000
1 tornado8 hail1 flood
25
202520 events
Property damage$70,000
15 flood

Nearby ZIP Codes

43146Derby, OH
55Elevated
43137Columbus, OH
40Moderate
43126Harrisburg, OH
50Elevated
43123Grove City, OH
41Elevated
43103South Bloomfield, OH
43Elevated

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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.