InsureWatch

56444

Elevated50

Cuyuna, Minnesota — Crow Wing County

Pop. 3,305Median Income $70,694Median Home $278,700
0/ 100Elevated Risk

2025 Estimated Premium

$2,257/yr

+14.4% from 2022 actual ($1,973)

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

Avg Premium (2022)

$1,973

+2.9%

2018–2025

Nonrenewal Rate

0.19%

2018–2022

Claim Frequency

9.8%

Avg Claim Amount

$14,759

Score Breakdown

Premium Level (25%)74
Premium Trend (20%)64
Nonrenewal Risk (20%)2
Storm Exposure (15%)56
Affordability (10%)68
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201818 events
Property damage$0
5 hail1 flood
19
20198 events
Property damage$200,000
4 hail
20
202021 events
Property damage$10,000
1 tornado11 hail2 flood
21
20216 events
Property damage$0
4 hail
22
202288 events
Property damage$55,000
45 hail1 flood
23
20238 events
Property damage$0
6 hail
24
202424 events
Property damage$1,510,000
2 tornado12 hail
25
202521 events
Property damage$20,000
2 tornado9 hail

Nearby ZIP Codes

56455Riverton, MN
52Elevated
56441Trommald, MN
45Elevated
56450Garrison, MN
48Elevated
56465Merrifield, MN
51Elevated
56431Aitkin, MN
41Elevated

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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.