InsureWatch

50046

High69

Cambridge, Iowa — Story County

Pop. 1,652Median Income $87,375Median Home $196,800
0/ 100High Risk

2025 Estimated Premium

$2,147/yr

+17.8% from 2022 actual ($1,822)

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

Avg Premium (2022)

$1,822

+4.0%

2018–2025

Nonrenewal Rate

2.58%

2018–2022

Claim Frequency

5.5%

Avg Claim Amount

$23,718

Score Breakdown

Premium Level (25%)67
Premium Trend (20%)70
Nonrenewal Risk (20%)93
Storm Exposure (15%)82
Affordability (10%)46
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
2018109 events
Property damage$2,170,000
4 tornado30 hail12 flood
19
201941 events
Property damage$373,000
8 hail14 flood
20
202024 events
Property damage$0
15 hail
21
202117 events
Property damage$30,000
1 hail2 flood
22
202232 events
Property damage$1,000
1 tornado3 hail3 flood
23
202341 events
Property damage$20,000
36 hail
24
202420 events
Property damage$3,225,000
1 tornado9 hail1 flood
25
202525 events
Property damage$0
1 tornado15 hail

Nearby ZIP Codes

50124Huxley, IA
49Elevated
50073Elkhart, IA
57Elevated
50007Alleman, IA
61High
50161Maxwell, IA
66High
50244Slater, IA
60Elevated

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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.