InsureWatch

57220

Elevated56

Bruce, South Dakota — Brookings County

Pop. 878Median Income $87,188Median Home $163,600
0/ 100Elevated Risk

2025 Estimated Premium

$2,175/yr

+22.2% from 2022 actual ($1,779)

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

Avg Premium (2022)

$1,779

+6.3%

2018–2025

Nonrenewal Rate

0.74%

2018–2022

Claim Frequency

28.9%

Avg Claim Amount

$6,030

Score Breakdown

Premium Level (25%)65
Premium Trend (20%)82
Nonrenewal Risk (20%)36
Storm Exposure (15%)58
Affordability (10%)44
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201816 events
Property damage$10,000
1 hail14 flood
19
201940 events
Property damage$511,500
1 hail36 flood
20
202017 events
Property damage$13,000
3 hail7 flood
21
20216 events
Property damage$3,000
3 hail
22
202229 events
Property damage$0
2 tornado8 hail5 flood
23
202313 events
Property damage$0
4 tornado5 hail4 flood
24
202415 events
Property damage$0
1 hail9 flood
25
202538 events
Property damage$0
3 hail18 flood

Nearby ZIP Codes

57234Lake Poinsett, SD
62High
57006Brookings, SD
56Elevated
57071Volga, SD
50Elevated
57212Arlington, SD
43Elevated
57268Toronto, SD
65High

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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.