InsureWatch

18062

Moderate33

Ancient Oaks, Pennsylvania — Lehigh County

Pop. 26,722Median Income $102,380Median Home $344,400
0/ 100Moderate Risk

2025 Estimated Premium

$1,388/yr

+12.6% from 2022 actual ($1,232)

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

Avg Premium (2022)

$1,232

+1.0%

2018–2025

Nonrenewal Rate

0.41%

2018–2022

Claim Frequency

4.3%

Avg Claim Amount

$11,284

Score Breakdown

Premium Level (25%)26
Premium Trend (20%)55
Nonrenewal Risk (20%)12
Storm Exposure (15%)61
Affordability (10%)6
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201819 events
Property damage$0
1 tornado12 flood
19
201959 events
Property damage$0
1 tornado15 hail5 flood
20
202061 events1 fatalities
Property damage$3,000
4 hail5 flood
21
202141 events
Property damage$20,000,000
2 tornado3 hail9 flood
22
202211 events
Property damage$0
4 hail
23
202329 events
Property damage$13,000
1 tornado4 hail6 flood
24
202425 events
Property damage$0
7 hail1 flood
25
202511 events
Property damage$10,000
3 flood

Nearby ZIP Codes

18087Trexlertown, PA
41Elevated
18106Wescosville, PA
34Moderate
18011Alburtis, PA
25Moderate
18092East Greenville, PA
42Elevated
18056Hereford, PA
34Moderate

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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.