20877

Elevated45

Gaithersburg, Maryland — Montgomery County

Pop. 38,524Median Income $86,134Median Home $442,300

2025 Estimated Premium

$1,511/yr

+16.2% from 2022 actual ($1,300)

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

Avg Premium (2022)

$1,300

+5.7%

2018–2025

Nonrenewal Rate

0.71%

2018–2022

Claim Frequency

8.6%

Avg Claim Amount

$10,350

Score Breakdown

Premium Level (25%)31

Premium Trend (20%)78

Nonrenewal Risk (20%)34

Storm Exposure (15%)62

Affordability (10%)19

Flood Risk (10%)30

Storm History (5-Year Timeline)

201868 events

Property damage$100

63 flood

2019124 events1 fatalities

Property damage$1,530,000

17 hail32 flood

202097 events

Property damage$1,826,500

2 tornado2 hail39 flood

2021102 events1 fatalities

Property damage$4,812,500

5 hail32 flood

202270 events

Property damage$1,563,000

1 tornado2 hail29 flood

202355 events

Property damage$12,868,000

1 tornado1 hail11 flood

202436 events

Property damage$6,737,500

2 tornado4 hail11 flood

202575 events

Property damage$1,382,000

1 hail30 flood

Nearby ZIP Codes

20880Washington Grove, MD

20886Montgomery Village, MD

40Moderate

20850Rockville, MD

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.