InsureWatch

33607

High65

Tampa, Florida — Hillsborough County

Pop. 24,257Median Income $57,581Median Home $251,600
0/ 100High Risk

2025 Estimated Premium

$3,291/yr

+8.0% from 2022 actual ($3,048)

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

Avg Premium (2022)

$3,048

+4.1%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

13.0%

Avg Claim Amount

$20,753

Score Breakdown

Premium Level (25%)95
Premium Trend (20%)70
Nonrenewal Risk (20%)50
Storm Exposure (15%)32
Affordability (10%)96
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201810 events
Property damage$315,000
3 tornado1 hail1 flood
19
201911 events
Property damage$591,000
1 hail
20
202023 events
Property damage$85,000
1 tornado11 flood
21
20213 events
Property damage$3,000
1 hail
22
202215 events
Property damage$1,087,000
1 tornado1 flood
23
20234 events
Property damage$25,000
3 hail
24
20247 events
Property damage$276,000
1 tornado1 hail1 flood
25
202510 events
Property damage$0
1 tornado2 hail3 flood

Nearby ZIP Codes

33609Tampa, FL
61High
33614Egypt Lake-Leto, FL
71High
33606Tampa, FL
51Elevated
33629Tampa, FL
53Elevated
33603Tampa, FL
67High

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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.