InsureWatch

68930

High80

Blue Hill, Nebraska — Webster County

Pop. 1,332Median Income $66,875Median Home $162,700
0/ 100High Risk

2025 Estimated Premium

$2,636/yr

+13.0% from 2022 actual ($2,333)

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

Avg Premium (2022)

$2,333

+4.4%

2018–2025

Nonrenewal Rate

3.57%

2018–2022

Claim Frequency

19.0%

Avg Claim Amount

$12,462

Score Breakdown

Premium Level (25%)85
Premium Trend (20%)72
Nonrenewal Risk (20%)96
Storm Exposure (15%)92
Affordability (10%)81
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201810 events
Property damage$245,000
5 hail
19
201923 events
Property damage$165,000
15 hail2 flood
20
20201 events
Property damage$0
21
20219 events
Property damage$475,000
2 tornado3 hail
22
20225 events
Property damage$5,000
1 hail
23
202311 events
Property damage$15,250,000
9 hail
24
202416 events
Property damage$396,000
3 tornado4 hail
25
20255 events
Property damage$100,000
1 flood

Nearby ZIP Codes

68970Red Cloud, NE
74High
68941Glenvil, NE
77High

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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.