InsureWatch

07066

Moderate32

Westfield, New Jersey — Union County

Pop. 15,415Median Income $120,882Median Home $546,800
0/ 100Moderate Risk

2025 Estimated Premium

$1,478/yr

+11.1% from 2022 actual ($1,330)

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

Avg Premium (2022)

$1,330

+2.7%

2018–2025

Nonrenewal Rate

0.54%

2018–2022

Claim Frequency

4.2%

Avg Claim Amount

$8,246

Score Breakdown

Premium Level (25%)34
Premium Trend (20%)63
Nonrenewal Risk (20%)21
Storm Exposure (15%)20
Affordability (10%)3
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201815 events
Property damage$23,000
9 flood
19
201922 events
Property damage$191,000
1 tornado6 flood
20
202011 events
Property damage$9,000
5 flood
21
202132 events5 fatalities
Property damage$73,000
2 hail17 flood
22
202211 events
Property damage$47,000
5 flood
23
202320 events
Property damage$43,000
8 flood
24
202416 events
Property damage$8,500
10 flood
25
202535 events4 fatalities
Property damage$116,000
15 flood

Nearby ZIP Codes

07065Rahway, NJ
38Moderate
07067Colonia, NJ
43Elevated
07027Garwood, NJ
34Moderate
07016Cranford, NJ
33Moderate
07090Westfield, NJ
43Elevated

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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.