29036

Elevated51

Lake Murray of Richland, South Carolina — Lexington County

Pop. 25,544Median Income $111,654Median Home $363,200

2025 Estimated Premium

$1,746/yr

+11.2% from 2022 actual ($1,570)

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

Avg Premium (2022)

$1,570

+1.1%

2018–2025

Nonrenewal Rate

4.45%

2018–2022

Claim Frequency

3.2%

Avg Claim Amount

$11,371

Score Breakdown

Premium Level (25%)51

Premium Trend (20%)55

Nonrenewal Risk (20%)98

Storm Exposure (15%)19

Affordability (10%)14

Flood Risk (10%)30

Storm History (5-Year Timeline)

201854 events

Property damage$85,600

3 tornado10 hail4 flood

201934 events

Property damage$750

5 tornado2 hail4 flood

202039 events1 fatalities

Property damage$14,120

1 hail10 flood

202126 events

Property damage$41,030

3 tornado8 hail4 flood

202247 events

Property damage$6,350

2 tornado22 hail1 flood

202369 events

Property damage$532,800

3 tornado7 hail2 flood

202443 events

Property damage$1,300

3 tornado12 hail1 flood

202543 events

Property damage$50,000

2 tornado5 flood

Nearby ZIP Codes

29075Little Mountain, SC

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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.