InsureWatch

57226

Moderate37

Clear Lake, South Dakota — Deuel County

Pop. 1,820Median Income $72,083Median Home $178,300
0/ 100Moderate Risk

2025 Estimated Premium

$1,668/yr

+23.5% from 2022 actual ($1,350)

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

Avg Premium (2022)

$1,350

+6.7%

2018–2025

Nonrenewal Rate

0.23%

2018–2022

Claim Frequency

19.4%

Avg Claim Amount

$7,651

Score Breakdown

Premium Level (25%)35
Premium Trend (20%)83
Nonrenewal Risk (20%)3
Storm Exposure (15%)30
Affordability (10%)37
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20181 events
Property damage$0
1 flood
19
201911 events
Property damage$128,700
1 tornado2 hail4 flood
20
202010 events
Property damage$0
4 tornado
21
20213 events
Property damage$10,000
22
202225 events
Property damage$0
7 tornado4 hail
23
20234 events
Property damage$0
2 tornado1 hail
24
20244 events
Property damage$0
3 hail
25
202521 events
Property damage$10,000
3 tornado3 hail3 flood

Nearby ZIP Codes

57237Gary, SD
57Elevated
57234Lake Poinsett, SD
62High
57223Castlewood, SD
58Elevated
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.