InsureWatch

55962

High70

Rushford Village, Minnesota — Fillmore County

Pop. 819Median Income $65,250Median Home $224,000
0/ 100High Risk

2025 Estimated Premium

$2,528/yr

+24.1% from 2022 actual ($2,037)

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

Avg Premium (2022)

$2,037

+11.6%

2018–2025

Nonrenewal Rate

0.76%

2018–2022

Claim Frequency

15.2%

Avg Claim Amount

$19,705

Score Breakdown

Premium Level (25%)77
Premium Trend (20%)100
Nonrenewal Risk (20%)38
Storm Exposure (15%)82
Affordability (10%)75
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201811 events
Property damage$225,000
2 tornado2 hail1 flood
19
201915 events
Property damage$360,000
4 tornado3 hail3 flood
20
20205 events
Property damage$15,000
1 hail1 flood
21
202123 events
Property damage$1,167,000
5 tornado2 hail
22
202217 events
Property damage$847,000
1 tornado3 hail
23
20233 events
Property damage$0
2 hail
24
202421 events
Property damage$330,000
2 hail3 flood
25
202515 events
Property damage$10,000
1 tornado7 hail

Nearby ZIP Codes

55949Lanesboro, MN
56Elevated
55971Rushford Village, MN
51Elevated
55979Utica, MN
64High
55952Lewiston, MN
57Elevated
55922Canton, MN
57Elevated

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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.