InsureWatch

73096

Elevated59

Weatherford, Oklahoma — Custer County

Pop. 14,107Median Income $54,740Median Home $231,100
0/ 100Elevated Risk

2025 Estimated Premium

$3,304/yr

+10.3% from 2022 actual ($2,995)

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

Avg Premium (2022)

$2,995

+2.9%

2018–2025

Nonrenewal Rate

0.57%

2018–2022

Claim Frequency

5.5%

Avg Claim Amount

$13,084

Score Breakdown

Premium Level (25%)95
Premium Trend (20%)65
Nonrenewal Risk (20%)24
Storm Exposure (15%)30
Affordability (10%)96
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20188 events
Property damage$2,000
1 hail1 flood
19
201926 events
Property damage$155,000
5 tornado12 hail4 flood
20
202010 events
Property damage$0
1 hail
21
202111 events
Property damage$15,000
2 tornado
22
202218 events
Property damage$0
10 hail3 flood
23
202322 events
Property damage$200,000
5 hail2 flood
24
202422 events
Property damage$775,000
5 tornado9 hail
25
202514 events
Property damage$60,000
1 tornado9 hail

Nearby ZIP Codes

73048Hydro, OK
60Elevated
73601Clinton, OK
60Elevated
73669Thomas, OK
58Elevated
73632New Cordell, OK
68High
73639Custer City, OK
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.