InsureWatch

28455

Elevated56

Tabor City, North Carolina — Columbus County

Pop. 2,245Median Income $51,279Median Home $99,300
0/ 100Elevated Risk

2025 Estimated Premium

$2,297/yr

+13.6% from 2022 actual ($2,022)

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

Avg Premium (2022)

$2,022

-5.7%

2018–2025

Nonrenewal Rate

1.23%

2018–2022

Claim Frequency

6.2%

Avg Claim Amount

$7,790

Score Breakdown

Premium Level (25%)76
Premium Trend (20%)22
Nonrenewal Risk (20%)67
Storm Exposure (15%)53
Affordability (10%)87
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201816 events
Property damage$396,000
1 tornado9 flood
19
20198 events
Property damage$81,000
1 tornado
20
202010 events
Property damage$266,000
3 tornado1 hail5 flood
21
20215 events
Property damage$200,000
1 tornado1 flood
22
20228 events
Property damage$0
1 hail
23
202310 events
Property damage$2,000
6 flood
24
202421 events
Property damage$46,000
2 tornado2 hail3 flood
25
202520 events
Property damage$8,000
4 hail5 flood

Nearby ZIP Codes

28463Tabor City, NC
62High
28432Tabor City, NC
63High
28420Shallotte, NC
40Moderate
28472Whiteville, NC
61High
28467Carolina Shores, NC
40Moderate

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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.