InsureWatch

73449

High61

Sand Point, Oklahoma — Bryan County

Pop. 3,001Median Income $47,363Median Home $131,900
0/ 100High Risk

2025 Estimated Premium

$2,767/yr

+12.7% from 2022 actual ($2,454)

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

Avg Premium (2022)

$2,454

-0.8%

2018–2025

Nonrenewal Rate

0.92%

2018–2022

Claim Frequency

3.7%

Avg Claim Amount

$12,641

Score Breakdown

Premium Level (25%)88
Premium Trend (20%)46
Nonrenewal Risk (20%)49
Storm Exposure (15%)47
Affordability (10%)95
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201810 events
Property damage$90,000
3 hail1 flood
19
201910 events2 fatalities
Property damage$320,000
1 tornado4 hail4 flood
20
202015 events
Property damage$121,500
2 tornado7 hail
21
20219 events
Property damage$8,000
4 hail1 flood
22
202215 events
Property damage$86,000
2 tornado3 hail1 flood
23
202313 events
Property damage$37,000
3 hail
24
20249 events
Property damage$25,000
6 hail
25
202523 events
Property damage$200,000
1 tornado9 hail1 flood

Nearby ZIP Codes

74730Calera, OK
60Elevated
74731Cartwright, OK
71High
74701Durant, OK
58Elevated
73439Kingston, OK
62High
74733Colbert, OK
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.