InsureWatch

30183

Elevated58

Waleska, Georgia — Cherokee County

Pop. 6,512Median Income $92,083Median Home $363,000
0/ 100Elevated Risk

2025 Estimated Premium

$1,961/yr

+12.4% from 2022 actual ($1,744)

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

Avg Premium (2022)

$1,744

+1.6%

2018–2025

Nonrenewal Rate

1.53%

2018–2022

Claim Frequency

4.5%

Avg Claim Amount

$24,526

Score Breakdown

Premium Level (25%)63
Premium Trend (20%)58
Nonrenewal Risk (20%)77
Storm Exposure (15%)53
Affordability (10%)38
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201813 events
Property damage$37,000
1 hail
19
20199 events
Property damage$40,000
20
202021 events
Property damage$492,000
1 tornado4 hail1 flood
21
20214 events
Property damage$2,026,000
1 tornado1 hail
22
202223 events
Property damage$14,000
23
202316 events
Property damage$36,000
1 tornado
24
202436 events1 fatalities
Property damage$78,000
25
202555 events
Property damage$161,000
1 tornado13 hail

Nearby ZIP Codes

30171Fairmount, GA
51Elevated
30114Canton, GA
57Elevated
30139Fairmount, GA
48Elevated
30184Cartersville, GA
57Elevated
30143Jasper, GA
50Elevated

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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.