InsureWatch

18829

Elevated41

LeRaysville, Pennsylvania — Bradford County

Pop. 698Median Income $76,815Median Home $181,400
0/ 100Elevated Risk

2025 Estimated Premium

$1,240/yr

+10.9% from 2022 actual ($1,118)

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

Avg Premium (2022)

$1,118

-0.5%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

3.4%

Avg Claim Amount

$4,881

Score Breakdown

Premium Level (25%)17
Premium Trend (20%)48
Nonrenewal Risk (20%)50
Storm Exposure (15%)88
Affordability (10%)16
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201853 events
Property damage$2,682,000
1 tornado42 flood
19
201941 events
Property damage$369,000
1 tornado4 hail7 flood
20
202022 events2 fatalities
Property damage$470,000
2 hail15 flood
21
202139 events
Property damage$678,250
1 hail16 flood
22
202230 events
Property damage$82,500
1 hail2 flood
23
202314 events
Property damage$135,000
4 flood
24
202415 events
Property damage$40,500
3 flood
25
202513 events
Property damage$78,500
6 flood

Nearby ZIP Codes

18851Little Meadows, PA
47Elevated
18818Friendsville, PA
31Moderate
18837Rome, PA
33Moderate
18830Little Meadows, PA
43Elevated
18853Wyalusing, 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.