InsureWatch

50076

Elevated57

Exira, Iowa — Audubon County

Pop. 1,463Median Income $49,500Median Home $93,700
0/ 100Elevated Risk

2025 Estimated Premium

$1,950/yr

+20.4% from 2022 actual ($1,620)

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

Avg Premium (2022)

$1,620

+15.6%

2018–2025

Nonrenewal Rate

0.67%

2018–2022

Claim Frequency

16.7%

Avg Claim Amount

$22,965

Score Breakdown

Premium Level (25%)55
Premium Trend (20%)100
Nonrenewal Risk (20%)31
Storm Exposure (15%)39
Affordability (10%)78
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20185 events
Property damage$0
19
20198 events
Property damage$105,000
5 hail1 flood
20
20201 events
Property damage$0
21
20216 events
Property damage$125,000
2 tornado
22
20222 events
Property damage$0
1 hail
23
20231 events
Property damage$0
1 hail
24
202413 events
Property damage$20,000
1 tornado2 hail
25
20257 events
Property damage$1,000
3 hail

Nearby ZIP Codes

50002Adair, IA
55Elevated
50025Audubon, IA
54Elevated
50020Anita, IA
53Elevated
50022Atlantic, IA
45Elevated
50115Guthrie Center, IA
57Elevated

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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.