InsureWatch

17349

Moderate32

New Freedom, Pennsylvania — York County

Pop. 7,995Median Income $108,160Median Home $319,700
0/ 100Moderate Risk

2025 Estimated Premium

$1,316/yr

+13.7% from 2022 actual ($1,157)

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

Avg Premium (2022)

$1,157

+4.4%

2018–2025

Nonrenewal Rate

0.26%

2018–2022

Claim Frequency

3.5%

Avg Claim Amount

$9,419

Score Breakdown

Premium Level (25%)20
Premium Trend (20%)72
Nonrenewal Risk (20%)4
Storm Exposure (15%)59
Affordability (10%)3
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201830 events
Property damage$142,000
4 hail13 flood
19
201929 events
Property damage$77,000
2 hail
20
202036 events
Property damage$138,000
2 hail1 flood
21
202124 events
Property damage$4,106,000
1 tornado3 flood
22
202212 events
Property damage$73,000
2 hail
23
202345 events
Property damage$483,000
3 tornado4 hail
24
202422 events
Property damage$106,000
6 hail
25
202544 events
Property damage$205,000
2 hail18 flood

Nearby ZIP Codes

17361Shrewsbury, PA
31Moderate
17363Stewartstown, PA
30Moderate
21053Manchester, MD
55Elevated
17327Glen Rock, PA
33Moderate
21120Cockeysville, MD
56Elevated

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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.