Insurance carriers base their premium on your risk level as a policyholder. If you have a fire or a flood and your neighbor doesn’t, your insurance carrier would say you’re riskier to insure than your neighbor so your premium would be raised individually. However, when there’s a storm an insurance carrier can’t fault you individually because you couldn’t have done anything to cause the storm nor prevent it, but what they can do is raise everybody’s rates collectively within your zip code whether or not you file a claim. So yes, your rates will go up slightly but that’s whether you choose to file a claim or not. Your premium will also reflect the fact that there’s been a storm within your zip code regardless of what you do.