InsureWatch

45069

Moderate38

Beckett Ridge, Ohio — Butler County

Pop. 55,414Median Income $109,433Median Home $294,700
0/ 100Moderate Risk

2025 Estimated Premium

$1,662/yr

+13.9% from 2022 actual ($1,459)

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

Avg Premium (2022)

$1,459

+1.3%

2018–2025

Nonrenewal Rate

0.88%

2018–2022

Claim Frequency

7.1%

Avg Claim Amount

$10,604

Score Breakdown

Premium Level (25%)43
Premium Trend (20%)56
Nonrenewal Risk (20%)46
Storm Exposure (15%)19
Affordability (10%)11
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201816 events
Property damage$10,500
7 hail3 flood
19
20197 events
Property damage$14,000
2 flood
20
202027 events
Property damage$154,250
9 hail4 flood
21
20213 events
Property damage$20,000
1 tornado1 hail
22
202221 events
Property damage$193,250
1 hail6 flood
23
202311 events
Property damage$522,100
2 tornado3 hail1 flood
24
202414 events
Property damage$236,100
3 tornado2 hail2 flood
25
202522 events
Property damage$446,000
3 tornado5 hail6 flood

Nearby ZIP Codes

45246Springdale, OH
42Elevated
45241Sharonville, OH
34Moderate
45040Mason, OH
38Moderate
45249Montgomery, OH
45Elevated
45240Forest Park, OH
43Elevated

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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.