InsureWatch

92101

High71

San Diego, California — San Diego County

Pop. 46,025Median Income $86,403Median Home $751,800
0/ 100High Risk

2025 Estimated Premium

$2,270/yr

+18.7% from 2022 actual ($1,913)

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

Avg Premium (2022)

$1,913

+7.0%

2018–2025

Nonrenewal Rate

2.78%

2018–2022

Claim Frequency

7.4%

Avg Claim Amount

$30,569

Score Breakdown

Premium Level (25%)72
Premium Trend (20%)85
Nonrenewal Risk (20%)94
Storm Exposure (15%)61
Affordability (10%)51
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201815 events
Property damage$75,100
7 flood
19
201937 events
Property damage$367,200
1 tornado1 hail21 flood
20
202030 events1 fatalities
Property damage$2,430,000
20 flood
21
202175 events1 fatalities
Property damage$123,050
5 hail24 flood
22
202249 events
Property damage$10,000
2 hail14 flood
23
202372 events
Property damage$10,000
51 flood1 wildfire
24
202470 events3 fatalities
Property damage$30,691,000
2 hail53 flood
25
202545 events
Property damage$0
19 flood

Nearby ZIP Codes

92103San Diego, CA
64High
92118Coronado, CA
60Elevated
92104San Diego, CA
43Elevated
92102San Diego, CA
47Elevated
92113San Diego, CA
44Elevated

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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.