InsureWatch

45679

Elevated59

Seaman, Ohio — Adams County

Pop. 3,101Median Income $43,986Median Home $154,800
0/ 100Elevated Risk

2025 Estimated Premium

$1,635/yr

+14.6% from 2022 actual ($1,426)

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

Avg Premium (2022)

$1,426

-0.3%

2018–2025

Nonrenewal Rate

3.42%

2018–2022

Claim Frequency

4.0%

Avg Claim Amount

$9,771

Score Breakdown

Premium Level (25%)41
Premium Trend (20%)48
Nonrenewal Risk (20%)96
Storm Exposure (15%)58
Affordability (10%)77
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201812 events
Property damage$1,550,000
2 hail5 flood
19
20199 events
Property damage$15,000
1 tornado5 flood
20
20209 events
Property damage$14,000
1 hail2 flood
21
20217 events
Property damage$9,000
5 flood
22
202222 events
Property damage$55,350
1 hail10 flood
23
20236 events
Property damage$19,000
1 hail3 flood
24
202412 events1 fatalities
Property damage$247,000
1 tornado1 hail2 flood
25
202510 events
Property damage$38,000
1 hail4 flood

Nearby ZIP Codes

45697Winchester, OH
52Elevated
45660Peebles, OH
57Elevated
45693West Union, OH
53Elevated
45171Lake Waynoka, OH
47Elevated
45133Hillsboro, OH
52Elevated

Compare home insurance quotes in Seaman, OH

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Seaman, OH? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Seaman, OH.

Compare this ZIP

See how 45679 stacks up against another ZIP code or city.

Compare Now

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.