InsureWatch

44804

Elevated45

Arcadia, Ohio — Hancock County

Pop. 1,626Median Income $90,139Median Home $185,300
0/ 100Elevated Risk

2025 Estimated Premium

$1,462/yr

+13.0% from 2022 actual ($1,294)

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

Avg Premium (2022)

$1,294

+2.7%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

2.8%

Avg Claim Amount

$7,918

Score Breakdown

Premium Level (25%)31
Premium Trend (20%)63
Nonrenewal Risk (20%)50
Storm Exposure (15%)65
Affordability (10%)15
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20181 events
Property damage$0
1 hail
19
201912 events
Property damage$108,000
3 hail4 flood
20
202014 events
Property damage$62,200
1 hail1 flood
21
20217 events
Property damage$10,000
2 hail3 flood
22
202214 events
Property damage$108,500
1 tornado2 hail
23
20236 events
Property damage$0
24
20247 events
Property damage$79,000
2 tornado1 hail
25
20256 events
Property damage$1,204,500
1 flood

Nearby ZIP Codes

45889Van Buren, OH
51Elevated
44817Bloomdale, OH
38Moderate
44802New Riegel, OH
55Elevated
45840Findlay, OH
35Moderate
44830Fostoria, OH
34Moderate

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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.