InsureWatch

02538

Elevated41

White Island Shores, Massachusetts — Plymouth County

Pop. 4,494Median Income $103,198Median Home $327,700
0/ 100Elevated Risk

2025 Estimated Premium

$1,884/yr

+10.7% from 2022 actual ($1,701)

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

Avg Premium (2022)

$1,701

+0.4%

2018–2025

Nonrenewal Rate

0.60%

2018–2022

Claim Frequency

3.4%

Avg Claim Amount

$10,031

Score Breakdown

Premium Level (25%)60
Premium Trend (20%)52
Nonrenewal Risk (20%)26
Storm Exposure (15%)29
Affordability (10%)26
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20185 events
Property damage$12,000
3 flood
19
201917 events
Property damage$84,100
2 hail6 flood
20
202021 events
Property damage$115,000
3 hail2 flood
21
202124 events
Property damage$46,400
8 hail4 flood
22
202213 events
Property damage$29,000
4 hail1 flood
23
202319 events
Property damage$30,600
1 tornado4 flood
24
20249 events
Property damage$14,000
1 hail1 flood
25
202513 events
Property damage$6,200
1 hail3 flood

Nearby ZIP Codes

02558Onset, MA
71High
02532Monument Beach, MA
62High
02571Wareham Center, MA
59Elevated
02553Monument Beach, MA
77High
02561Sagamore, MA
68High

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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.