21774

Moderate38

Linganore, Maryland — Frederick County

Pop. 15,096Median Income $159,542Median Home $476,200

2025 Estimated Premium

$1,417/yr

+11.8% from 2022 actual ($1,268)

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

Avg Premium (2022)

$1,268

+2.4%

2018–2025

Nonrenewal Rate

0.45%

2018–2022

Claim Frequency

4.9%

Avg Claim Amount

$14,272

Score Breakdown

Premium Level (25%)29

Premium Trend (20%)62

Nonrenewal Risk (20%)14

Storm Exposure (15%)81

Affordability (10%)0

Flood Risk (10%)30

Storm History (5-Year Timeline)

2018102 events

Property damage$44,315,000

4 hail68 flood

201966 events

Property damage$22,000

1 tornado1 hail23 flood

202035 events

Property damage$416,000

1 tornado2 hail8 flood

202189 events1 fatalities

Property damage$712,000

2 tornado56 flood

202250 events

Property damage$214,000

15 flood

202331 events

Property damage$949,000

3 hail

202417 events

Property damage$94,000

2 hail1 flood

202536 events

Property damage$635,000

2 hail3 flood

Nearby ZIP Codes

21701Frederick, MD

38Moderate

21770Green Valley, MD

21793Walkersville, MD

36Moderate

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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.