InsureWatch

49812

Elevated48

Carney, Michigan — Menominee County

Pop. 808Median Income $55,833Median Home $140,700
0/ 100Elevated Risk

2025 Estimated Premium

$1,042/yr

+11.8% from 2022 actual ($932)

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

Avg Premium (2022)

$932

+3.5%

2018–2025

Nonrenewal Rate

2.08%

2018–2022

Claim Frequency

8.0%

Avg Claim Amount

$16,545

Score Breakdown

Premium Level (25%)4
Premium Trend (20%)68
Nonrenewal Risk (20%)88
Storm Exposure (15%)66
Affordability (10%)27
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201818 events
Property damage$186,000
4 hail1 flood
19
20195 events
Property damage$28,000
2 flood
20
202010 events
Property damage$18,000
3 hail
21
20216 events
Property damage$19,000
1 flood
22
20223 events
Property damage$503,000
1 hail
23
20238 events
Property damage$36,500
1 hail
24
20241 events
Property damage$0
1 hail
25
20253 events
Property damage$49,500
1 hail

Nearby ZIP Codes

49886Powers, MI
44Elevated
49821Daggett, MI
24Moderate
49896Powers, MI
38Moderate
49847Hermansville, MI
31Moderate
49874Powers, MI
37Moderate

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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.