44122

Elevated56

Beachwood, Ohio — Cuyahoga County

Pop. 36,522Median Income $100,335Median Home $299,300

2025 Estimated Premium

$1,994/yr

+10.3% from 2022 actual ($1,807)

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

Avg Premium (2022)

$1,807

-0.2%

2018–2025

Nonrenewal Rate

1.25%

2018–2022

Claim Frequency

5.6%

Avg Claim Amount

$14,288

Score Breakdown

Premium Level (25%)66

Premium Trend (20%)49

Nonrenewal Risk (20%)67

Storm Exposure (15%)65

Affordability (10%)33

Flood Risk (10%)30

Storm History (5-Year Timeline)

201833 events

Property damage$262,000

6 hail3 flood

201937 events

Property damage$25,199,000

1 tornado6 hail6 flood

202056 events

Property damage$498,000

5 hail29 flood

202121 events

Property damage$0

1 flood

20229 events

Property damage$10,000

202355 events

Property damage$6,121,000

2 tornado12 hail9 flood

202444 events

Property damage$2,386,500

3 tornado1 hail

202522 events

Property damage$25,000

12 hail1 flood

Nearby ZIP Codes

44128Warrensville Heights, OH

56Elevated

44124Pepper Pike, OH

46Elevated

44118Cleveland Heights, OH

54Elevated

44120Shaker Heights, OH

66High

44121South Euclid, OH

50Elevated

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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.