InsureWatch

40371

Moderate38

Salt Lick, Kentucky — Bath County

Pop. 2,919Median Income $44,091Median Home $85,800
0/ 100Moderate Risk

2025 Estimated Premium

$1,388/yr

+7.9% from 2022 actual ($1,286)

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

Avg Premium (2022)

$1,286

+0.7%

2018–2025

Nonrenewal Rate

0.42%

2018–2022

Claim Frequency

6.3%

Avg Claim Amount

$21,452

Score Breakdown

Premium Level (25%)30
Premium Trend (20%)54
Nonrenewal Risk (20%)13
Storm Exposure (15%)50
Affordability (10%)71
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20189 events
Property damage$21,000
8 flood
19
201915 events
Property damage$14,100
1 hail8 flood
20
20206 events5 fatalities
Property damage$3,300
1 hail2 flood
21
202112 events
Property damage$28,000
2 hail7 flood
22
202220 events
Property damage$150,500
1 hail
23
202310 events1 fatalities
Property damage$3,000
24
202438 events
Property damage$865,000
2 tornado
25
20252 events
Property damage$5,000

Nearby ZIP Codes

40322Frenchburg, KY
42Elevated
40360Owingsville, KY
49Elevated
40313Morehead, KY
46Elevated
40387Frenchburg, KY
58Elevated
40351Morehead, KY
38Moderate

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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.