InsureWatch

71118

Elevated60

Shreveport, Louisiana — Caddo County

Pop. 25,193Median Income $56,933Median Home $161,100
0/ 100Elevated Risk

2025 Estimated Premium

$2,061/yr

+18.7% from 2022 actual ($1,736)

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

Avg Premium (2022)

$1,736

+4.6%

2018–2025

Nonrenewal Rate

0.78%

2018–2022

Claim Frequency

10.3%

Avg Claim Amount

$8,180

Score Breakdown

Premium Level (25%)62
Premium Trend (20%)73
Nonrenewal Risk (20%)39
Storm Exposure (15%)77
Affordability (10%)74
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201862 events
Property damage$4,005,000
2 tornado12 hail26 flood
19
201950 events
Property damage$350,000
5 tornado3 hail5 flood
20
202037 events1 fatalities
Property damage$125,000
17 hail2 flood
21
202131 events
Property damage$130,000
4 tornado7 hail
22
202235 events2 fatalities
Property damage$698,000
6 tornado7 flood
23
202391 events1 fatalities
Property damage$50,060,000
3 tornado13 hail11 flood
24
202454 events
Property damage$770,000
3 tornado16 hail21 flood
25
202570 events
Property damage$1,285,000
4 tornado12 hail36 flood

Nearby ZIP Codes

71108Shreveport, LA
69High
71106Shreveport, LA
64High
71109Shreveport, LA
68High
71105Shreveport, LA
62High
71129Shreveport, LA
58Elevated

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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.