InsureWatch

18461

High64

Starrucca, Pennsylvania — Wayne County

Pop. 236Median Income $42,000Median Home $167,800
0/ 100High Risk

2025 Estimated Premium

$1,643/yr

+8.4% from 2022 actual ($1,516)

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

Avg Premium (2022)

$1,516

+11.0%

2018–2025

Nonrenewal Rate

0.79%

2018–2022

Claim Frequency

0.8%

Avg Claim Amount

$7,350

Score Breakdown

Premium Level (25%)47
Premium Trend (20%)100
Nonrenewal Risk (20%)40
Storm Exposure (15%)86
Affordability (10%)83
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20186 events
Property damage$320,000
1 tornado1 flood
19
201912 events
Property damage$105,000
3 flood
20
20209 events
Property damage$225,000
1 hail2 flood
21
202115 events
Property damage$77,000
7 flood
22
20227 events
Property damage$31,500
23
202313 events
Property damage$56,500
3 hail5 flood
24
202413 events
Property damage$298,500
1 tornado2 flood
25
202519 events
Property damage$163,000
8 flood

Nearby ZIP Codes

18437Starrucca, PA
59Elevated
13783Hancock, NY
34Moderate
18462Starrucca, PA
50Elevated
18439Starrucca, PA
40Moderate
18417Honesdale, PA
49Elevated

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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.