InsureWatch

71753

Elevated49

Magnolia, Arkansas — Columbia County

Pop. 16,388Median Income $45,731Median Home $151,400
0/ 100Elevated Risk

2025 Estimated Premium

$1,928/yr

+11.5% from 2022 actual ($1,729)

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

Avg Premium (2022)

$1,729

+1.4%

2018–2025

Nonrenewal Rate

0.84%

2018–2022

Claim Frequency

6.7%

Avg Claim Amount

$16,642

Score Breakdown

Premium Level (25%)62
Premium Trend (20%)57
Nonrenewal Risk (20%)43
Storm Exposure (15%)16
Affordability (10%)85
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20185 events
Property damage$0
1 hail1 flood
19
201918 events
Property damage$100,000
1 tornado5 flood
20
20206 events
Property damage$25,000
1 tornado2 hail1 flood
21
20214 events
Property damage$0
1 hail
22
20222 events
Property damage$0
23
202312 events
Property damage$35,000
1 tornado5 hail3 flood
24
20248 events
Property damage$0
1 tornado1 hail1 flood
25
20259 events
Property damage$110,000
1 hail3 flood

Nearby ZIP Codes

71740Emerson, AR
51Elevated
71770Waldo, AR
51Elevated
71758Mount Holly, AR
60Elevated
71764Stephens, AR
44Elevated
71038Haynesville, LA
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.