34293

Elevated57

North Port, Florida — Sarasota County

Pop. 46,782Median Income $84,110Median Home $335,700

2025 Estimated Premium

$4,191/yr

+10.1% from 2022 actual ($3,807)

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

Avg Premium (2022)

$3,807

+0.9%

2018–2025

Nonrenewal Rate

0.42%

2018–2022

Claim Frequency

11.2%

Avg Claim Amount

$6,716

Score Breakdown

Premium Level (25%)97

Premium Trend (20%)54

Nonrenewal Risk (20%)13

Storm Exposure (15%)45

Affordability (10%)92

Flood Risk (10%)30

Storm History (5-Year Timeline)

20185 events1 fatalities

Property damage$52,000

1 tornado

20193 events

Property damage$90,000

20206 events

Property damage$0

2 tornado3 flood

20212 events

Property damage$202,000

1 flood

20225 events

Property damage$1,065,000

3 tornado

20232 events

Property damage$10,000

1 tornado1 flood

20245 events

Property damage$10,775,000

4 flood

20251 events

Property damage$5,000

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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.