InsureWatch

35216

Elevated51

Vestavia Hills, Alabama — Jefferson County

Pop. 38,352Median Income $68,237Median Home $353,600
0/ 100Elevated Risk

2025 Estimated Premium

$2,472/yr

+13.4% from 2022 actual ($2,180)

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

Avg Premium (2022)

$2,180

+0.2%

2018–2025

Nonrenewal Rate

0.54%

2018–2022

Claim Frequency

6.5%

Avg Claim Amount

$12,848

Score Breakdown

Premium Level (25%)81
Premium Trend (20%)51
Nonrenewal Risk (20%)21
Storm Exposure (15%)36
Affordability (10%)77
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201817 events
Property damage$0
2 hail4 flood
19
201919 events
Property damage$0
2 hail1 flood
20
202031 events
Property damage$0
2 tornado4 hail6 flood
21
202136 events2 fatalities
Property damage$0
5 tornado8 hail10 flood
22
202231 events3 fatalities
Property damage$0
2 tornado4 hail9 flood
23
202322 events
Property damage$5,005,500
2 tornado5 hail
24
202421 events1 fatalities
Property damage$2,000
4 hail5 flood
25
202569 events1 fatalities
Property damage$0
2 tornado4 hail7 flood

Nearby ZIP Codes

35243Vestavia Hills, AL
55Elevated
35226Hoover, AL
47Elevated
35209Homewood, AL
52Elevated
35244Hoover, AL
44Elevated
35211Birmingham, AL
56Elevated

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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.