InsureWatch

32043

Moderate35

Asbury Lake, Florida — Clay County

Pop. 31,705Median Income $76,405Median Home $263,200
0/ 100Moderate Risk

2025 Estimated Premium

$2,386/yr

+8.0% from 2022 actual ($2,210)

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

Avg Premium (2022)

$2,210

-10.2%

2018–2025

Nonrenewal Rate

0.27%

2018–2022

Claim Frequency

6.0%

Avg Claim Amount

$19,750

Score Breakdown

Premium Level (25%)82
Premium Trend (20%)0
Nonrenewal Risk (20%)4
Storm Exposure (15%)22
Affordability (10%)71
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20187 events
Property damage$1,001,000
19
201925 events
Property damage$3,000
1 hail
20
202018 events1 fatalities
Property damage$21,010
2 hail
21
202115 events
Property damage$3,000
2 hail1 flood
22
202214 events
Property damage$6,500
5 flood
23
202328 events
Property damage$245,500
2 tornado4 hail5 flood
24
20248 events
Property damage$0
1 tornado1 hail3 flood
25
202519 events
Property damage$19,100
2 flood

Nearby ZIP Codes

32003Fleming Island, FL
41Elevated
32092World Golf Village, FL
41Elevated
32656Keystone Heights, FL
53Elevated
32068Middleburg, FL
37Moderate
32259Fruit Cove, FL
41Elevated

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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.