InsureWatch

50007

High61

Alleman, Iowa — Polk County

Pop. 489Median Income $137,917Median Home $293,900
0/ 100High Risk

2025 Estimated Premium

$2,026/yr

+18.5% from 2022 actual ($1,710)

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

Avg Premium (2022)

$1,710

+7.6%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

10.3%

Avg Claim Amount

$11,618

Score Breakdown

Premium Level (25%)61
Premium Trend (20%)88
Nonrenewal Risk (20%)50
Storm Exposure (15%)99
Affordability (10%)7
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
2018134 events1 fatalities
Property damage$9,165,000
3 tornado21 hail35 flood
19
2019127 events
Property damage$1,305,500
1 tornado21 hail22 flood
20
202070 events
Property damage$10,000
1 tornado6 hail1 flood
21
202162 events
Property damage$30,000
38 hail
22
202254 events
Property damage$75,446,000
4 tornado24 hail6 flood
23
202314 events
Property damage$0
8 hail
24
202468 events
Property damage$7,520,000
7 tornado13 hail3 flood
25
202533 events
Property damage$113,200
9 hail1 flood

Nearby ZIP Codes

50073Elkhart, IA
57Elevated
50244Slater, IA
60Elevated
50226Polk City, IA
51Elevated
50023Ankeny, IA
50Elevated
50124Huxley, IA
49Elevated

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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.