InsureWatch

27705

Elevated59

Durham, North Carolina — Durham County

Pop. 46,880Median Income $65,935Median Home $363,000
0/ 100Elevated Risk

2025 Estimated Premium

$1,842/yr

+16.0% from 2022 actual ($1,588)

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

Avg Premium (2022)

$1,588

+3.1%

2018–2025

Nonrenewal Rate

1.81%

2018–2022

Claim Frequency

5.7%

Avg Claim Amount

$12,290

Score Breakdown

Premium Level (25%)53
Premium Trend (20%)66
Nonrenewal Risk (20%)84
Storm Exposure (15%)45
Affordability (10%)58
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201819 events
Property damage$11,142,250
3 hail6 flood
19
201911 events
Property damage$82,000
1 hail3 flood
20
202020 events
Property damage$62,500
3 hail8 flood
21
20217 events
Property damage$2,500
22
202223 events
Property damage$345,000
2 tornado1 hail5 flood
23
202320 events
Property damage$91,000
3 flood
24
202428 events
Property damage$124,000
1 tornado10 flood
25
202518 events
Property damage$300,000
1 hail7 flood

Nearby ZIP Codes

27701Durham, NC
61High
27707Durham, NC
60Elevated
27514Chapel Hill, NC
57Elevated
27712Durham, NC
57Elevated
27278Hillsborough, NC
52Elevated

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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.