InsureWatch

44440

Moderate40

Mineral Ridge, Ohio — Trumbull County

Pop. 4,819Median Income $62,644Median Home $154,100
0/ 100Moderate Risk

2025 Estimated Premium

$1,142/yr

+7.9% from 2022 actual ($1,058)

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

Avg Premium (2022)

$1,058

-0.1%

2018–2025

Nonrenewal Rate

1.02%

2018–2022

Claim Frequency

5.5%

Avg Claim Amount

$12,443

Score Breakdown

Premium Level (25%)12
Premium Trend (20%)49
Nonrenewal Risk (20%)56
Storm Exposure (15%)67
Affordability (10%)28
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201819 events
Property damage$204,000
1 tornado1 hail2 flood
19
201933 events
Property damage$4,458,000
3 tornado4 hail5 flood
20
202018 events
Property damage$20,000
2 hail1 flood
21
202119 events
Property damage$200,500
2 tornado3 flood
22
202211 events
Property damage$250,000
1 hail1 flood
23
202315 events
Property damage$35,000
1 tornado1 hail
24
202434 events
Property damage$225,000
1 tornado8 hail3 flood
25
20256 events
Property damage$20,000
2 flood

Nearby ZIP Codes

44515Austintown, OH
39Moderate
44437McDonald, OH
33Moderate
44446Niles, OH
38Moderate
44451Mineral Ridge, OH
47Elevated
44481Lordstown, OH
40Moderate

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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.