InsureWatch

19038

Elevated44

Wyndmoor, Pennsylvania — Montgomery County

Pop. 32,672Median Income $113,628Median Home $368,200
0/ 100Elevated Risk

2025 Estimated Premium

$1,873/yr

+11.3% from 2022 actual ($1,683)

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

Avg Premium (2022)

$1,683

+1.8%

2018–2025

Nonrenewal Rate

0.34%

2018–2022

Claim Frequency

13.5%

Avg Claim Amount

$14,034

Score Breakdown

Premium Level (25%)59
Premium Trend (20%)59
Nonrenewal Risk (20%)8
Storm Exposure (15%)76
Affordability (10%)17
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201848 events
Property damage$0
3 hail25 flood
19
201991 events
Property damage$0
9 hail21 flood
20
2020116 events4 fatalities
Property damage$4,000
2 tornado10 hail18 flood
21
2021100 events3 fatalities
Property damage$65,010,000
2 tornado16 hail19 flood
22
202213 events
Property damage$0
3 hail2 flood
23
202354 events
Property damage$11,000
4 hail15 flood
24
202421 events
Property damage$0
6 hail1 flood
25
202543 events
Property damage$120,000
3 hail11 flood

Nearby ZIP Codes

19075Oreland, PA
45Elevated
19095Wyncote, PA
54Elevated
19150Philadelphia, PA
56Elevated
19031Flourtown, PA
53Elevated
19001Roslyn, PA
40Moderate

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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.