InsureWatch

33904

High64

Cape Coral, Florida — Lee County

Pop. 32,345Median Income $62,177Median Home $301,700
0/ 100High Risk

2025 Estimated Premium

$3,623/yr

+8.0% from 2022 actual ($3,356)

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

Avg Premium (2022)

$3,356

-0.4%

2018–2025

Nonrenewal Rate

0.90%

2018–2022

Claim Frequency

60.9%

Avg Claim Amount

$24,473

Score Breakdown

Premium Level (25%)96
Premium Trend (20%)48
Nonrenewal Risk (20%)48
Storm Exposure (15%)51
Affordability (10%)96
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20182 events
Property damage$0
2 hail
19
20197 events
Property damage$645,000
2 tornado
20
202014 events
Property damage$20,000
2 hail4 flood
21
20215 events1 fatalities
Property damage$775,000
1 tornado1 flood
22
202219 events
Property damage$10,103,500
4 tornado2 hail7 flood
23
20237 events
Property damage$8,000
1 tornado1 flood
24
202410 events
Property damage$1,130,000
4 tornado3 flood
25
20259 events
Property damage$0
3 hail4 flood

Nearby ZIP Codes

33919Cypress Lake, FL
64High
33990Cape Coral, FL
59Elevated
33907Villas, FL
60Elevated
33914Cape Coral, FL
61High
33901Fort Myers, FL
74High

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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.