InsureWatch

45238

Moderate34

Cincinnati, Ohio — Hamilton County

Pop. 47,154Median Income $62,751Median Home $156,700
0/ 100Moderate Risk

2025 Estimated Premium

$1,266/yr

+12.1% from 2022 actual ($1,129)

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

Avg Premium (2022)

$1,129

+0.3%

2018–2025

Nonrenewal Rate

0.92%

2018–2022

Claim Frequency

6.5%

Avg Claim Amount

$8,103

Score Breakdown

Premium Level (25%)17
Premium Trend (20%)52
Nonrenewal Risk (20%)49
Storm Exposure (15%)20
Affordability (10%)33
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201845 events
Property damage$132,100
8 hail14 flood
19
201947 events2 fatalities
Property damage$170,600
7 hail25 flood
20
202048 events
Property damage$263,100
2 tornado13 hail7 flood
21
202117 events
Property damage$37,250
3 hail6 flood
22
202221 events
Property damage$203,250
3 flood
23
202319 events
Property damage$82,900
5 hail2 flood
24
202423 events
Property damage$627,000
2 hail12 flood
25
202520 events
Property damage$37,250
1 hail3 flood

Nearby ZIP Codes

45205Cincinnati, OH
51Elevated
45204Cincinnati, OH
55Elevated
45211Cincinnati, OH
38Moderate
45233Mack, OH
34Moderate
41016Ludlow, KY
39Moderate

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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.