33037

Elevated51

North Key Largo, Florida — Monroe County

Pop. 13,265Median Income $73,724Median Home $632,000

2025 Estimated Premium

$13,906/yr

+18.9% from 2022 actual ($11,697)

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

Avg Premium (2022)

$11,697

+1.5%

2018–2025

Nonrenewal Rate

0.10%

2018–2022

Claim Frequency

1.6%

Avg Claim Amount

$30,755

Score Breakdown

Premium Level (25%)100

Premium Trend (20%)57

Nonrenewal Risk (20%)0

Storm Exposure (15%)13

Affordability (10%)100

Flood Risk (10%)30

Storm History (5-Year Timeline)

20183 events

Property damage$11,700

2 tornado

20191 events

Property damage$0

1 tornado

20207 events

Property damage$10,000

1 tornado3 flood

20212 events

Property damage$500

20223 events

Property damage$20,000

2 tornado1 flood

20238 events

Property damage$5,500

2 tornado2 flood

20247 events

Property damage$78,500

3 tornado3 flood

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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.