InsureWatch

44887

Elevated42

Tiro, Ohio — Crawford County

Pop. 1,048Median Income $80,243Median Home $108,200
0/ 100Elevated Risk

2025 Estimated Premium

$1,287/yr

+8.0% from 2022 actual ($1,191)

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

Avg Premium (2022)

$1,191

+0.1%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

6.4%

Avg Claim Amount

$4,005

Score Breakdown

Premium Level (25%)22
Premium Trend (20%)51
Nonrenewal Risk (20%)50
Storm Exposure (15%)74
Affordability (10%)18
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20185 events
Property damage$38,000
19
20198 events
Property damage$35,000
1 tornado
20
20202 events
Property damage$5,000
21
20212 events
Property damage$170,000
2 flood
22
20224 events
Property damage$20,000
23
20239 events
Property damage$307,500
2 tornado
24
20248 events
Property damage$1,311,000
2 tornado2 hail1 flood
25
20251 events
Property damage$0

Nearby ZIP Codes

44854New Washington, OH
44Elevated
44827Crestline, OH
45Elevated
44865Plymouth, OH
37Moderate
44875Shelby, OH
37Moderate
44807Attica, OH
52Elevated

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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.