42413
Elevated58Hanson, Kentucky — Hopkins County
2025 Estimated Premium
$2,367/yr
Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.
Avg Premium (2022)
$2,119
+5.6%
Nonrenewal Rate
0.42%
Claim Frequency
7.3%
Avg Claim Amount
$10,607
Score Breakdown
Storm History (5-Year Timeline)
Nearby ZIP Codes
Compare home insurance quotes in Hanson, KY
See rates from top carriers. It takes 2 minutes and could save you hundreds.
Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.
Get alerts when your ZIP's risk changes
We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.
AI Risk Report
Get a detailed narrative analysis of this ZIP
Also from us: CrashWatch
See car crash data, road safety scores, and traffic fatality stats for Hanson, KY.
Compare this ZIP
See how 42413 stacks up against another ZIP code or city.
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.