InsureWatch

71052

High61

Mansfield, LouisianaDe Soto County

Pop. 9,023Median Income $33,304Median Home $89,000
0/ 100High Risk

2025 Estimated Premium

$2,115/yr

+15.6% from 2022 actual ($1,830)

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

Avg Premium (2022)

$1,830

+2.3%

2018–2025

Nonrenewal Rate

1.08%

2018–2022

Claim Frequency

5.9%

Avg Claim Amount

$12,898

Premium Level (25%)67
Premium Trend (20%)62
Nonrenewal Risk (20%)59
Storm Exposure (15%)51
Affordability (10%)96
Flood Risk (10%)30
18
201811 events
Property damage$0
1 tornado3 hail4 flood
19
201914 events
Property damage$420,000
6 tornado1 flood
20
202025 events1 fatalities
Property damage$1,025,000
2 tornado7 hail6 flood
21
202110 events
Property damage$100,000
2 tornado2 hail
22
202211 events
Property damage$0
2 flood
23
202313 events
Property damage$50,000
1 tornado1 hail4 flood
24
202426 events
Property damage$1,975,000
14 tornado1 hail5 flood
25
202510 events
Property damage$0
5 hail

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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.