InsureWatch

37421

Elevated49

Chattanooga, Tennessee — Hamilton County

Pop. 52,507Median Income $76,562Median Home $265,000
0/ 100Elevated Risk

2025 Estimated Premium

$1,809/yr

+12.0% from 2022 actual ($1,615)

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

Avg Premium (2022)

$1,615

+1.8%

2018–2025

Nonrenewal Rate

0.90%

2018–2022

Claim Frequency

4.8%

Avg Claim Amount

$39,902

Score Breakdown

Premium Level (25%)55
Premium Trend (20%)59
Nonrenewal Risk (20%)48
Storm Exposure (15%)40
Affordability (10%)47
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201819 events1 fatalities
Property damage$1,590,000
7 flood
19
201916 events
Property damage$3,002,000
2 flood
20
202014 events3 fatalities
Property damage$2,500,000
1 tornado2 flood
21
202111 events
Property damage$2,000
6 flood
22
202213 events
Property damage$0
1 hail5 flood
23
202327 events
Property damage$0
1 tornado3 hail1 flood
24
202418 events
Property damage$0
1 hail6 flood
25
202542 events4 fatalities
Property damage$2,545,000
11 hail9 flood

Nearby ZIP Codes

37411Chattanooga, TN
56Elevated
37412East Ridge, TN
50Elevated
37416Chattanooga, TN
58Elevated
37406Chattanooga, TN
72High
37404Chattanooga, TN
66High

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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.