InsureWatch

53132

Moderate38

Franklin, Wisconsin — Milwaukee County

Pop. 36,094Median Income $103,225Median Home $333,100
0/ 100Moderate Risk

2025 Estimated Premium

$1,400/yr

+12.9% from 2022 actual ($1,241)

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

Avg Premium (2022)

$1,241

+1.5%

2018–2025

Nonrenewal Rate

0.62%

2018–2022

Claim Frequency

7.6%

Avg Claim Amount

$15,216

Score Breakdown

Premium Level (25%)26
Premium Trend (20%)57
Nonrenewal Risk (20%)27
Storm Exposure (15%)75
Affordability (10%)6
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201814 events
Property damage$553,500
1 hail2 flood
19
201912 events
Property damage$49,500
3 flood
20
202014 events
Property damage$178,000
2 hail3 flood
21
20216 events
Property damage$11,000
2 hail1 flood
22
202228 events3 fatalities
Property damage$99,500
1 tornado7 hail4 flood
23
202324 events
Property damage$42,500
15 hail4 flood
24
202424 events
Property damage$3,500
21 hail2 flood
25
202519 events1 fatalities
Property damage$65,811,000
9 hail6 flood

Nearby ZIP Codes

53129Greendale, WI
40Moderate
53130Hales Corners, WI
36Moderate
53220Greenfield, WI
34Moderate
53221Milwaukee, WI
35Moderate
53108Caledonia, WI
26Moderate

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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.