InsureWatch

73460

High69

Tishomingo, Oklahoma — Johnston County

Pop. 4,379Median Income $40,572Median Home $113,300
0/ 100High Risk

2025 Estimated Premium

$2,891/yr

+14.5% from 2022 actual ($2,524)

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

Avg Premium (2022)

$2,524

+2.5%

2018–2025

Nonrenewal Rate

1.24%

2018–2022

Claim Frequency

4.0%

Avg Claim Amount

$41,028

Score Breakdown

Premium Level (25%)89
Premium Trend (20%)63
Nonrenewal Risk (20%)67
Storm Exposure (15%)53
Affordability (10%)98
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201812 events3 fatalities
Property damage$33,000
1 tornado2 hail7 flood
19
201919 events
Property damage$31,100
1 tornado2 hail6 flood
20
202020 events
Property damage$1,110,000
1 tornado10 hail1 flood
21
20213 events
Property damage$0
1 hail2 flood
22
20228 events
Property damage$150,000
1 tornado5 hail
23
20237 events
Property damage$25,000
3 hail1 flood
24
202419 events
Property damage$80,000
2 tornado12 hail4 flood
25
202527 events
Property damage$542,000
3 tornado6 hail9 flood

Nearby ZIP Codes

73447Mannsville, OK
65High
73446Madill, OK
62High
74871Ada, OK
56Elevated
74701Durant, 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.