InsureWatch

50707

Moderate40

Evansdale, Iowa — Black Hawk County

Pop. 7,307Median Income $58,939Median Home $134,700
0/ 100Moderate Risk

2025 Estimated Premium

$1,534/yr

+16.8% from 2022 actual ($1,314)

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

Avg Premium (2022)

$1,314

+4.1%

2018–2025

Nonrenewal Rate

0.38%

2018–2022

Claim Frequency

3.2%

Avg Claim Amount

$10,155

Score Breakdown

Premium Level (25%)32
Premium Trend (20%)70
Nonrenewal Risk (20%)10
Storm Exposure (15%)54
Affordability (10%)52
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201853 events
Property damage$2,017,000
1 tornado29 flood
19
201919 events
Property damage$1,152,000
1 hail9 flood
20
202045 events
Property damage$95,000
3 tornado8 hail5 flood
21
202115 events
Property damage$0
3 flood
22
202210 events
Property damage$0
3 hail
23
202312 events
Property damage$2,000
11 hail
24
202424 events
Property damage$60,000
5 hail10 flood
25
202531 events
Property damage$134,000
8 hail2 flood

Nearby ZIP Codes

50702Waterloo, IA
51Elevated
50667Raymond, IA
63High
50703Waterloo, IA
48Elevated
50701Waterloo, IA
45Elevated
50634Gilbertville, IA
50Elevated

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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.