InsureWatch

67154

High67

Whitewater, Kansas — Butler County

Pop. 1,933Median Income $59,219Median Home $121,800
0/ 100High Risk

2025 Estimated Premium

$2,805/yr

+9.6% from 2022 actual ($2,558)

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

Avg Premium (2022)

$2,558

-3.5%

2018–2025

Nonrenewal Rate

1.09%

2018–2022

Claim Frequency

5.5%

Avg Claim Amount

$13,330

Score Breakdown

Premium Level (25%)90
Premium Trend (20%)33
Nonrenewal Risk (20%)60
Storm Exposure (15%)95
Affordability (10%)91
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201841 events
Property damage$39,900
4 tornado24 hail5 flood
19
201980 events
Property damage$47,800
3 tornado18 hail20 flood
20
202016 events1 fatalities
Property damage$100
5 hail2 flood
21
202126 events
Property damage$0
3 hail
22
202249 events
Property damage$37,000,200
3 tornado16 hail4 flood
23
202334 events
Property damage$53,000
6 hail
24
202451 events
Property damage$0
1 tornado19 hail
25
202542 events
Property damage$2,000,000
1 tornado18 hail3 flood

Nearby ZIP Codes

67123Potwin, KS
75High
67017Benton, KS
73High
67114Newton, KS
60Elevated
67144Towanda, KS
72High
67147Valley Center, KS
69High

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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.