InsureWatch

54480

Moderate40

Stetsonville, Wisconsin — Taylor County

Pop. 1,416Median Income $54,583Median Home $158,300
0/ 100Moderate Risk

2025 Estimated Premium

$1,217/yr

+12.7% from 2022 actual ($1,080)

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

Avg Premium (2022)

$1,080

+3.6%

2018–2025

Nonrenewal Rate

0.83%

2018–2022

Claim Frequency

0.8%

Avg Claim Amount

$45,876

Score Breakdown

Premium Level (25%)13
Premium Trend (20%)68
Nonrenewal Risk (20%)43
Storm Exposure (15%)48
Affordability (10%)41
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20185 events
Property damage$3,000
3 hail
19
20193 events
Property damage$5,000
20
20205 events
Property damage$2,000
2 hail1 flood
21
20216 events
Property damage$85,000
2 hail
22
20225 events
Property damage$0
5 hail
23
202310 events
Property damage$75,000
6 hail
24
202413 events
Property damage$292,000
2 tornado8 hail
25
20253 events
Property damage$0
1 hail

Nearby ZIP Codes

54425Dorchester, WI
37Moderate
54405Abbotsford, WI
35Moderate
54421Colby, WI
30Moderate
54451Medford, WI
27Moderate
54411Athens, WI
24Moderate

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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.