InsureWatch

27357

Elevated52

Stokesdale, North Carolina — Rockingham County

Pop. 9,384Median Income $72,488Median Home $228,300
0/ 100Elevated Risk

2025 Estimated Premium

$1,342/yr

+13.1% from 2022 actual ($1,186)

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

Avg Premium (2022)

$1,186

+3.4%

2018–2025

Nonrenewal Rate

2.61%

2018–2022

Claim Frequency

4.1%

Avg Claim Amount

$7,205

Score Breakdown

Premium Level (25%)22
Premium Trend (20%)67
Nonrenewal Risk (20%)93
Storm Exposure (15%)59
Affordability (10%)25
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201839 events
Property damage$5,046,000
1 tornado1 hail17 flood
19
201931 events
Property damage$174,600
4 hail1 flood
20
202022 events
Property damage$103,500
6 flood
21
202113 events
Property damage$30,400
4 flood
22
202225 events
Property damage$745,500
1 tornado8 hail
23
202313 events
Property damage$65,500
3 hail
24
202421 events
Property damage$88,000
1 tornado3 hail11 flood
25
202519 events
Property damage$65,000
1 hail

Nearby ZIP Codes

27358Summerfield, NC
61High
27009Walkertown, NC
46Elevated
27310Oak Ridge, NC
61High
27025Madison, NC
45Elevated
27042Walnut Cove, NC
42Elevated

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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.