InsureWatch

53020

Moderate33

Elkhart Lake, Wisconsin — Sheboygan County

Pop. 3,589Median Income $84,762Median Home $304,100
0/ 100Moderate Risk

2025 Estimated Premium

$1,362/yr

+12.0% from 2022 actual ($1,217)

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

Avg Premium (2022)

$1,217

-1.9%

2018–2025

Nonrenewal Rate

0.66%

2018–2022

Claim Frequency

1.7%

Avg Claim Amount

$8,441

Score Breakdown

Premium Level (25%)24
Premium Trend (20%)40
Nonrenewal Risk (20%)30
Storm Exposure (15%)54
Affordability (10%)15
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20189 events
Property damage$1,404,000
2 tornado4 hail
19
20198 events
Property damage$30,000
2 hail5 flood
20
202012 events
Property damage$85,500
3 hail2 flood
21
20215 events
Property damage$15,000
1 hail1 flood
22
20226 events
Property damage$124,000
1 hail
23
20232 events
Property damage$12,000
24
20247 events
Property damage$15,000
1 hail3 flood
25
20257 events
Property damage$30,000
1 flood

Nearby ZIP Codes

53042Kiel, WI
36Moderate
53073Plymouth, WI
26Moderate
53023Greenbush, WI
31Moderate
53061New Holstein, WI
43Elevated
54232St. Nazianz, WI
28Moderate

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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.