Component Pressure Score
66
High Pressure
Higher is worse (more pressure)
Insurance Pressure • City • CA
Lockwood Insurance Pressure
Tracks insurance-related affordability strain, including owner-cost burden proxy and recent movement.
Annual Baseline
Published Insurance Pressure Signals
2024-12-31 • v1.1-acs5-2024
Scale direction: Sustainability Score 0 = highest pressure, 100 = lowest pressure. Pressure Score 0 = low pressure, 100 = high pressure.
Comparison window: 2020–2024 ACS 5-year estimates compared with 2015–2019 ACS 5-year estimates. Current Pulse data is reported separately and does not change this component score.
Trend
Decreasing
Overall Sustainability Score
34
High Pressure
Scale: 0 = highest pressure, 100 = lowest pressure
Burden Pressure Score
86
High Pressure
Change Pressure Score
23
Moderate
Offset Strength Score
N/A
Insufficient Data
Owner-cost burden proxy is 19.6% of income with -9.7% five-year change. This is not an insurance-premium measure.
Window: 2020–2024 ACS 5-year estimates compared with 2015–2019 ACS 5-year estimates • Higher component score = higher pressure
In Lockwood, Insurance Pressure scores 66 and is decreasing in the latest window. This is the 4th highest pressure component locally.
Compared with Monterey County, this component is 4.1 points lower (less pressure).
Current top pressure drivers in Lockwood are Utility Pressure (96, increasing) and Tax Pressure (83, increasing).
Component Pressure Score
The pressure level for this topic only. Higher means worse pressure in this location.
Trend
The direction this pressure is moving: increasing, stable, or decreasing.
Burden Score
How heavy the cost load is right now, before considering whether it is accelerating.
Change Score
How quickly pressure is rising or easing versus the prior period.
Offset Score
How much local income growth helps absorb pressure. Higher offset means stronger cushion.
Overall Sustainability Score
Net sustainability score for the full model. Higher is better and means lower overall pressure.
Evidence & Provenance
Source Values Behind This Component
Resolution: County
This component uses a clearly labeled fallback geography or proxy input.
Owner-cost burden proxy
Value: 19.6 percent of income
Change: -9.7% relative change
ACS selected monthly owner costs as a percentage of household income; used only as a nationally consistent owner-cost proxy.
U.S. Census Bureau American Community Survey
Period: 2020–2024 ACS 5-year estimates compared with 2015–2019 ACS 5-year estimates • Resolution: County
Fallback source geography or proxy.
Fallback county ACS data is shown because a direct place or county observation was unavailable. City place matching uses the 2024 Census Place Gazetteer (https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip).
Current Pressure Pulse
Fresh Context Beside The Annual Baseline
Not part of the annual Cost Pressure Score
The pulse reports the latest verified public releases alongside the annual baseline. It never recalculates or changes this location's Household Cost Pressure Score.
Residential Electricity
33.61 cents per kilowatt-hour
+2.9% from the comparable prior period
Source: U.S. Energy Information Administration
Source date: 2026-07 • Resolution: State-level monthly residential electricity price
State-level electricity data; no city or county electricity series is implied.
Covered-Job Wage
1,262 dollars per week
+1.9% from the comparable prior period
Source: U.S. Bureau of Labor Statistics, QCEW
Source date: 2026-Q1 • Resolution: County-level quarterly QCEW covered-job wage
County-level covered-job wage for this city's parent county.
National CPI Context
335 CPI-U index (1982-84=100)
+3.4% from the comparable prior period
Source: U.S. Bureau of Labor Statistics, CPI
Source date: 2026-08 • Resolution: National monthly CPI-U context
National CPI context; it does not represent a local CPI series.
Latest pulse refresh: 2026-09-26 • verified source run.
Related Components
Other Pressure Pages For Lockwood
TAX_PRESSURE
Tax Pressure
Pressure Score: 83 • Trend: Increasing
Source: U.S. Census Bureau American Community Survey
Period: 2020–2024 ACS 5-year estimates compared with 2015–2019 ACS 5-year estimates • Resolution: County
Open the component report for raw drivers and source links.
UTILITY_PRESSURE
Utility Pressure
Pressure Score: 96 • Trend: Increasing
Source: U.S. Energy Information Administration
Period: 2024 annual compared with 2023 annual • Resolution: State
Open the component report for raw drivers and source links.
ESSENTIAL_INFLATION_PRESSURE
Essential Housing Burden
Pressure Score: 67 • Trend: Stable
Source: U.S. Census Bureau American Community Survey
Period: 2020–2024 ACS 5-year estimates compared with 2015–2019 ACS 5-year estimates • Resolution: County
Open the component report for raw drivers and source links.
INCOME_OFFSET
Income Offset
Pressure Score: 19 • Trend: Decreasing
Source: U.S. Census Bureau American Community Survey
Period: 2020–2024 ACS 5-year estimates compared with 2015–2019 ACS 5-year estimates • Resolution: County
Open the component report for raw drivers and source links.
Related IQ Context
Contextual Sister Research
Research Path
Continue From Insurance Pressure
Compare this component page against the full location profile and then expand to peer geographies to verify whether this pressure pattern is local, county-wide, state-wide, or broader.