InsureWatch

16029

Elevated45

East Butler, Pennsylvania — Butler County

Pop. 906Median Income $53,563Median Home $129,200
0/ 100Elevated Risk

2025 Estimated Premium

$939/yr

+11.1% from 2022 actual ($845)

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

Avg Premium (2022)

$845

+5.5%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

1.7%

Avg Claim Amount

$5,582

Score Breakdown

Premium Level (25%)1
Premium Trend (20%)77
Nonrenewal Risk (20%)50
Storm Exposure (15%)96
Affordability (10%)22
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201816 events
Property damage$13,500
2 hail7 flood
19
201946 events
Property damage$10,057,000
1 tornado14 hail8 flood
20
202036 events
Property damage$212,000
13 hail1 flood
21
202139 events
Property damage$264,000
2 tornado4 hail3 flood
22
202215 events
Property damage$83,000
3 flood
23
202320 events
Property damage$104,000
24
202497 events
Property damage$12,689,250
39 hail17 flood
25
202548 events
Property damage$191,000
2 tornado3 hail6 flood

Nearby ZIP Codes

16045Homeacre-Lyndora, PA
28Moderate
16002Nixon, PA
33Moderate
16001Shanor-Northvue, PA
29Moderate
16025Chicora, PA
31Moderate
16034Worthington, PA
22Moderate

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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.