InsureWatch

02744

High62

New Bedford, Massachusetts — Bristol County

Pop. 12,465Median Income $52,290Median Home $309,700
0/ 100High Risk

2025 Estimated Premium

$2,405/yr

+19.3% from 2022 actual ($2,016)

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

Avg Premium (2022)

$2,016

+10.8%

2018–2025

Nonrenewal Rate

0.78%

2018–2022

Claim Frequency

3.1%

Avg Claim Amount

$10,492

Score Breakdown

Premium Level (25%)76
Premium Trend (20%)100
Nonrenewal Risk (20%)39
Storm Exposure (15%)22
Affordability (10%)86
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201813 events
Property damage$57,000
1 tornado9 flood
19
201926 events
Property damage$24,300
1 hail15 flood
20
202017 events
Property damage$17,300
3 hail4 flood
21
202115 events
Property damage$167,200
1 hail3 flood
22
202213 events
Property damage$64,500
7 flood
23
202343 events
Property damage$49,400
2 tornado3 hail21 flood
24
202428 events
Property damage$50,200
2 tornado8 hail10 flood
25
202516 events
Property damage$47,700
3 flood

Nearby ZIP Codes

02740New Bedford, MA
61High
02719New Bedford, MA
56Elevated
02746New Bedford, MA
63High
02748Bliss Corner, MA
53Elevated
02747Smith Mills, MA
50Elevated

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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.