InsureWatch

20119

Elevated60

Calverton, Virginia — Fauquier County

Pop. 3,803Median Income $152,593Median Home $556,900
0/ 100Elevated Risk

2025 Estimated Premium

$1,987/yr

+16.1% from 2022 actual ($1,711)

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

Avg Premium (2022)

$1,711

+5.1%

2018–2025

Nonrenewal Rate

2.09%

2018–2022

Claim Frequency

5.1%

Avg Claim Amount

$30,112

Score Breakdown

Premium Level (25%)61
Premium Trend (20%)75
Nonrenewal Risk (20%)88
Storm Exposure (15%)61
Affordability (10%)4
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201839 events
Property damage$0
33 flood
19
201947 events
Property damage$0
6 hail5 flood
20
202027 events
Property damage$107,000
11 flood
21
202138 events
Property damage$162,000
1 hail2 flood
22
202235 events
Property damage$1,165,000
1 hail7 flood
23
202317 events
Property damage$412,000
1 flood
24
202431 events
Property damage$793,000
2 hail7 flood
25
202540 events
Property damage$167,000
13 flood

Nearby ZIP Codes

22728Midland, VA
51Elevated
20181Nokesville, VA
58Elevated
22712Bealeton, VA
41Elevated
20136Linton Hall, VA
49Elevated
20187New Baltimore, VA
45Elevated

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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.