InsureWatch

44656

Elevated48

Mineral City, Ohio — Tuscarawas County

Pop. 2,542Median Income $66,068Median Home $198,000
0/ 100Elevated Risk

2025 Estimated Premium

$1,273/yr

+10.8% from 2022 actual ($1,149)

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

Avg Premium (2022)

$1,149

+3.0%

2018–2025

Nonrenewal Rate

1.80%

2018–2022

Claim Frequency

4.4%

Avg Claim Amount

$18,481

Score Breakdown

Premium Level (25%)19
Premium Trend (20%)65
Nonrenewal Risk (20%)84
Storm Exposure (15%)51
Affordability (10%)30
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201828 events
Property damage$23,500
5 hail9 flood
19
201922 events
Property damage$56,000
1 tornado4 hail3 flood
20
202023 events
Property damage$233,000
1 tornado1 hail1 flood
21
20214 events
Property damage$30,000
22
202233 events
Property damage$342,000
6 hail2 flood
23
202341 events
Property damage$192,000
11 hail9 flood
24
202412 events
Property damage$31,500
3 hail2 flood
25
202533 events
Property damage$57,000
5 hail3 flood

Nearby ZIP Codes

44643Magnolia, OH
39Moderate
44697Zoar, OH
68High
44620Dellroy, OH
33Moderate
44671Sandyville, OH
49Elevated
44675Sherrodsville, OH
41Elevated

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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.