InsureWatch

35739

Elevated52

Ardmore, Alabama — Limestone County

Pop. 5,013Median Income $60,526Median Home $194,300
0/ 100Elevated Risk

2025 Estimated Premium

$2,155/yr

+12.3% from 2022 actual ($1,919)

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

Avg Premium (2022)

$1,919

-0.2%

2018–2025

Nonrenewal Rate

0.55%

2018–2022

Claim Frequency

4.7%

Avg Claim Amount

$12,100

Score Breakdown

Premium Level (25%)72
Premium Trend (20%)49
Nonrenewal Risk (20%)23
Storm Exposure (15%)63
Affordability (10%)76
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201831 events
Property damage$1,000
1 tornado2 hail2 flood
19
201927 events
Property damage$1,400
3 tornado7 hail7 flood
20
202012 events
Property damage$200
1 tornado2 flood
21
202115 events
Property damage$5,500
2 hail3 flood
22
202221 events
Property damage$85,900
2 tornado4 hail1 flood
23
202362 events
Property damage$104,000
2 tornado11 hail3 flood
24
202421 events
Property damage$3,023,500
5 tornado1 hail
25
202541 events
Property damage$1,004,000
5 tornado8 hail2 flood

Nearby ZIP Codes

38449Ardmore, TN
48Elevated
35773Huntsville, AL
51Elevated
38488Blanche, TN
61High
35749Harvest, AL
48Elevated
35613Athens, AL
49Elevated

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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.