Missouri
Home insurance overview — 701 ZIP codes, 544 cities
Avg Premium (2025 Est.)
$2,364
+15.0% from 2022
Nonrenewal Rate
1.60%
5yr Storm Damage
$2.3B
Missouri Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Preston | 1 | $3,116 | 86 | Extreme |
| Aldrich | 1 | $2,426 | 85 | Extreme |
| Broseley | 1 | $2,112 | 81 | Extreme |
| Oak Ridge | 1 | $2,840 | 80 | High |
| Oronogo | 1 | $2,422 | 79 | High |
| Williamsville | 1 | $2,205 | 79 | High |
| Fisk | 1 | $1,890 | 79 | High |
| Blue Eye | 2 | $2,864 | 78 | High |
| Newtonia | 1 | $2,815 | 78 | High |
| Ash Grove | 2 | $2,580 | 77 | High |
| Iberia | 1 | $2,644 | 77 | High |
| Winona | 1 | $2,121 | 77 | High |
| Kingdom City | 1 | $2,774 | 77 | High |
| Seymour | 1 | $2,512 | 76 | High |
| Strafford | 1 | $2,580 | 76 | High |
| Fair Play | 1 | $2,253 | 76 | High |
| Stella | 1 | $2,176 | 76 | High |
| Edgar Springs | 1 | $2,353 | 76 | High |
| Cave | 1 | $2,746 | 76 | High |
| Defiance | 1 | $3,366 | 75 | High |
| Mountain Grove | 1 | $2,285 | 75 | High |
| Lilbourn | 1 | $1,933 | 75 | High |
| Calhoun | 1 | $3,696 | 75 | High |
| Mansfield | 1 | $2,502 | 75 | High |
| Sheldon | 1 | $1,958 | 75 | High |
| Viburnum | 1 | $2,511 | 74 | High |
| Fairdealing | 3 | $2,120 | 74 | High |
| Lowry City | 1 | $2,121 | 74 | High |
| Crane | 1 | $2,361 | 74 | High |
| Sunset Hills | 1 | $3,423 | 74 | High |
| Ava | 1 | $2,345 | 74 | High |
| Niangua | 1 | $2,240 | 74 | High |
| Rogersville | 1 | $2,748 | 74 | High |
| Sparta | 3 | $2,423 | 74 | High |
| Fair Grove | 1 | $2,249 | 74 | High |
| Billings | 1 | $2,441 | 74 | High |
| Willard | 1 | $2,330 | 74 | High |
| St. Louis | 15 | $2,684 | 73 | High |
| Noel | 1 | $2,540 | 73 | High |
| Spokane | 1 | $2,503 | 73 | High |
| Kimberling City | 1 | $2,772 | 73 | High |
| Tuscumbia | 1 | $2,422 | 73 | High |
| Carl Junction | 1 | $2,616 | 73 | High |
| Alba | 1 | $2,329 | 73 | High |
| Scott City | 1 | $2,362 | 73 | High |
| Duenweg | 1 | $1,998 | 73 | High |
| Birch Tree | 1 | $2,198 | 73 | High |
| Saddlebrooke | 1 | $3,875 | 73 | High |
| Cardwell | 1 | $1,754 | 72 | High |
| Annapolis | 1 | $2,123 | 72 | High |
| Augusta | 1 | $3,550 | 72 | High |
| Grovespring | 1 | $2,316 | 72 | High |
| Otterville | 1 | $2,362 | 72 | High |
| Marble Hill | 1 | $2,028 | 72 | High |
| Highlandville | 1 | $2,379 | 72 | High |
| Morley | 1 | $2,248 | 72 | High |
| Doe Run | 1 | $2,371 | 72 | High |
| Everton | 1 | $2,386 | 72 | High |
| Piedmont | 2 | $2,310 | 72 | High |
| Hartwell | 1 | $3,058 | 72 | High |
| Ellsinore | 1 | $2,168 | 71 | High |
| Jane | 1 | $2,488 | 71 | High |
| Ladue | 1 | $6,971 | 71 | High |
| Walnut Grove | 1 | $2,370 | 71 | High |
| Macks Creek | 2 | $2,406 | 71 | High |
| Osage Beach | 2 | $2,689 | 71 | High |
| Oran | 1 | $2,307 | 71 | High |
| Marshfield | 1 | $2,211 | 71 | High |
| Fairfax | 1 | $2,548 | 71 | High |
| Grayridge | 1 | $1,926 | 71 | High |
| Granby | 1 | $2,293 | 71 | High |
| Elsberry | 1 | $2,458 | 71 | High |
| Hornersville | 1 | $2,253 | 70 | High |
| Bloomfield | 1 | $2,110 | 70 | High |
| Collins | 1 | $2,410 | 70 | High |
| Garden City | 1 | $2,806 | 70 | High |
| Spanish Lake | 1 | $2,446 | 70 | High |
| University City | 1 | $2,734 | 70 | High |
| Branson West | 1 | $2,704 | 70 | High |
| Steele | 1 | $2,195 | 70 | High |
| Seneca | 1 | $2,359 | 70 | High |
| Iron Mountain Lake | 1 | $2,246 | 70 | High |
| Foristell | 1 | $2,817 | 70 | High |
| New London | 1 | $2,541 | 70 | High |
| Willow Springs | 1 | $1,959 | 70 | High |
| Benton | 1 | $2,297 | 70 | High |
| Hawk Point | 1 | $2,479 | 70 | High |
| Whitewater | 1 | $2,147 | 70 | High |
| Lake Viking | 2 | $2,959 | 70 | High |
| Forsyth | 1 | $2,442 | 70 | High |
| Fordland | 2 | $2,494 | 70 | High |
| Humansville | 2 | $2,477 | 70 | High |
| Merriam Woods | 2 | $2,492 | 70 | High |
| De Kalb | 1 | $2,899 | 70 | High |
| Lamar | 1 | $2,253 | 70 | High |
| Bolivar | 1 | $2,278 | 70 | High |
| Republic | 1 | $2,193 | 69 | High |
| Clayton | 1 | $5,146 | 69 | High |
| Jefferson City | 2 | $2,318 | 69 | High |
| Poplar Bluff | 1 | $2,172 | 69 | High |
| Normandy | 1 | $2,193 | 69 | High |
| Richland | 1 | $2,213 | 69 | High |
| Sunrise Beach | 1 | $3,017 | 69 | High |
| Olivette | 1 | $2,637 | 69 | High |
| Diamond | 1 | $2,268 | 69 | High |
| Eugene | 2 | $2,271 | 69 | High |
| Koshkonong | 1 | $2,082 | 69 | High |
| Pierce City | 1 | $2,289 | 69 | High |
| High Hill | 1 | $2,354 | 69 | High |
| Ferguson | 1 | $2,164 | 69 | High |
| Mound City | 1 | $2,819 | 69 | High |
| Marionville | 1 | $2,160 | 69 | High |
| Linn Creek | 1 | $2,590 | 69 | High |
| Doniphan | 1 | $2,103 | 69 | High |
| Sedgewickville | 2 | $2,270 | 69 | High |
| Lewis and Clark Village | 1 | $2,550 | 69 | High |
| Millersville | 1 | $2,414 | 69 | High |
| Dearborn | 1 | $2,653 | 69 | High |
| New Madrid | 1 | $2,300 | 69 | High |
| Perryville | 1 | $2,561 | 69 | High |
| Sarcoxie | 1 | $2,248 | 69 | High |
| Creve Coeur | 1 | $4,073 | 69 | High |
| Eldon | 1 | $2,341 | 69 | High |
| Branson | 1 | $2,572 | 69 | High |
| Eureka | 1 | $2,720 | 68 | High |
| Jackson | 1 | $2,812 | 68 | High |
| Leslie | 2 | $2,546 | 68 | High |
| Webb City | 1 | $2,336 | 68 | High |
| Montreal | 1 | $2,284 | 68 | High |
| Kidder | 1 | $2,315 | 68 | High |
| St. Thomas | 1 | $2,377 | 68 | High |
| Sikeston | 1 | $2,129 | 68 | High |
| Kissee Mills | 1 | $2,203 | 68 | High |
| Potosi | 5 | $2,580 | 68 | High |
| Wildwood | 5 | $4,045 | 68 | High |
| Plato | 2 | $2,299 | 68 | High |
| Plattsburg | 1 | $2,837 | 68 | High |
| Auxvasse | 1 | $2,157 | 68 | High |
| Agency | 1 | $2,860 | 68 | High |
| Galena | 1 | $2,517 | 68 | High |
| Clever | 1 | $2,333 | 68 | High |
| Springfield | 7 | $2,371 | 68 | High |
| Tarkio | 1 | $2,426 | 68 | High |
| Camdenton | 2 | $2,524 | 68 | High |
| Richmond Heights | 1 | $2,836 | 68 | High |
| Winfield | 1 | $2,156 | 68 | High |
| Farmington | 1 | $2,704 | 68 | High |
| Chaffee | 1 | $2,193 | 68 | High |
| Parma | 1 | $1,973 | 67 | High |
| Portageville | 1 | $1,968 | 67 | High |
| Town and Country | 1 | $4,766 | 67 | High |
| Lake Ozark | 2 | $2,682 | 67 | High |
| Ozark | 1 | $2,481 | 67 | High |
| St. Robert | 1 | $2,142 | 67 | High |
| Jasper | 1 | $2,293 | 67 | High |
| Climax Springs | 3 | $2,437 | 67 | High |
| Hermann | 1 | $2,529 | 67 | High |
| Southwest City | 1 | $2,460 | 67 | High |
| Joplin | 2 | $2,465 | 67 | High |
| New Haven | 1 | $2,754 | 67 | High |
| Stover | 1 | $2,130 | 67 | High |
| Cape Girardeau | 2 | $2,482 | 67 | High |
| Miller | 1 | $2,177 | 67 | High |
| Ridgely | 1 | $2,683 | 66 | High |
| Reeds | 1 | $2,261 | 66 | High |
| Gray Summit | 2 | $2,477 | 66 | High |
| El Dorado Springs | 1 | $2,162 | 66 | High |
| Carterville | 1 | $1,987 | 66 | High |
| St. Clair | 2 | $2,300 | 66 | High |
| Valley Park | 1 | $2,140 | 66 | High |
| Morrisville | 1 | $2,029 | 66 | High |
| Jennings | 1 | $2,019 | 66 | High |
| Nixa | 1 | $2,415 | 66 | High |
| Greenfield | 1 | $2,063 | 66 | High |
| Shell Knob | 2 | $2,546 | 66 | High |
| Wheatland | 1 | $1,886 | 66 | High |
| Buffalo | 3 | $2,221 | 66 | High |
| Turney | 1 | $2,771 | 66 | High |
| Jonesburg | 1 | $2,493 | 66 | High |
| King City | 1 | $2,475 | 66 | High |
| Old Jamestown | 1 | $2,712 | 65 | High |
| Eagle Rock | 1 | $2,371 | 65 | High |
| Pagedale | 1 | $1,899 | 65 | High |
| Easton | 1 | $3,125 | 65 | High |
| Bridgeton | 1 | $2,185 | 65 | High |
| Hillsboro | 2 | $2,489 | 65 | High |
| West Alton | 1 | $1,958 | 65 | High |
| Savannah | 1 | $2,517 | 65 | High |
| Greentop | 1 | $2,300 | 65 | High |
| Brumley | 1 | $2,386 | 65 | High |
| Big Lake | 1 | $2,049 | 65 | High |
| Bunker | 1 | $2,040 | 65 | High |
| Lebanon | 1 | $2,257 | 65 | High |
| Hazelwood | 1 | $1,972 | 65 | High |
| Cole Camp | 1 | $2,144 | 65 | High |
| Gainesville | 2 | $2,234 | 65 | High |
| Carytown | 1 | $2,408 | 65 | High |
| New Bloomfield | 1 | $2,328 | 65 | High |
| Bakersfield | 3 | $2,077 | 65 | High |
| Norwood | 2 | $2,353 | 65 | High |
| Lohman | 1 | $3,062 | 65 | High |
| Battlefield | 1 | $2,234 | 65 | High |
| Clinton | 1 | $2,660 | 65 | High |
| Rock Port | 1 | $2,270 | 65 | High |
| Clarksdale | 1 | $2,750 | 65 | High |
| Monroe City | 1 | $2,318 | 64 | High |
| Chamois | 1 | $2,522 | 64 | High |
| Trimble | 1 | $2,718 | 64 | High |
| Van Buren | 1 | $1,941 | 64 | High |
| Vienna | 1 | $2,102 | 64 | High |
| Truesdale | 1 | $1,921 | 64 | High |
| West Plains | 1 | $2,110 | 64 | High |
| Washington | 1 | $2,580 | 64 | High |
| Tipton | 1 | $2,540 | 64 | High |
| Clarence | 1 | $2,127 | 64 | High |
| Terre du Lac | 1 | $2,373 | 64 | High |
| Dexter | 1 | $2,112 | 64 | High |
| Bernie | 1 | $1,915 | 64 | High |
| Hollister | 2 | $2,445 | 64 | High |
| Hartville | 1 | $2,297 | 64 | High |
| Butler | 1 | $2,445 | 64 | High |
| Mount Vernon | 1 | $2,290 | 64 | High |
| Seligman | 1 | $2,258 | 64 | High |
| Amazonia | 1 | $2,239 | 64 | High |
| Belle | 2 | $2,153 | 64 | High |
| Golden | 1 | $2,464 | 64 | High |
| Eminence | 1 | $2,104 | 64 | High |
| Archie | 1 | $2,616 | 64 | High |
| Osceola | 1 | $2,219 | 64 | High |
| Bellefontaine Neighbors | 1 | $2,022 | 64 | High |
| Flemington | 1 | $1,966 | 64 | High |
| Anderson | 1 | $2,496 | 64 | High |
| Rocheport | 1 | $2,717 | 64 | High |
| St. Elizabeth | 1 | $3,005 | 64 | High |
| Pleasant Hope | 2 | $2,218 | 64 | High |
| Chesterfield | 1 | $3,222 | 64 | High |
| Brentwood | 1 | $2,264 | 64 | High |
| Neosho | 1 | $2,398 | 64 | High |
| Union Star | 2 | $2,305 | 64 | High |
| Lake St. Louis | 1 | $2,578 | 63 | High |
| Pontiac | 2 | $2,019 | 63 | High |
| Berkeley | 1 | $1,893 | 63 | High |
| Purdy | 1 | $2,116 | 63 | High |
| Stewartsville | 1 | $2,601 | 63 | High |
| Laurie | 1 | $2,433 | 63 | High |
| Cabool | 1 | $2,303 | 63 | High |
| St. Ann | 1 | $1,783 | 63 | High |
| Lincoln | 1 | $2,162 | 63 | High |
| Florissant | 2 | $2,165 | 63 | High |
| Washburn | 1 | $2,502 | 63 | High |
| Liberal | 1 | $2,135 | 63 | High |
| Westphalia | 1 | $2,924 | 63 | High |
| Walker | 1 | $1,875 | 63 | High |
| Eolia | 1 | $2,394 | 63 | High |
| LaBarque Creek | 6 | $2,359 | 63 | High |
| Steelville | 1 | $2,331 | 63 | High |
| Exeter | 1 | $2,278 | 63 | High |
| Warrensburg | 1 | $2,675 | 63 | High |
| Waynesville | 2 | $2,128 | 63 | High |
| Louisburg | 1 | $2,306 | 63 | High |
| Tebbetts | 2 | $2,518 | 62 | High |
| Riverside | 1 | $2,751 | 62 | High |
| Kirbyville | 2 | $2,192 | 62 | High |
| Chilhowee | 1 | $2,366 | 62 | High |
| Versailles | 1 | $2,173 | 62 | High |
| Raymondville | 1 | $2,059 | 62 | High |
| Barnett | 1 | $2,305 | 62 | High |
| Creighton | 1 | $2,972 | 62 | High |
| Matthews | 1 | $2,005 | 62 | High |
| Moscow Mills | 1 | $2,142 | 62 | High |
| Bellflower | 1 | $2,274 | 62 | High |
| Thayer | 1 | $1,902 | 62 | High |
| Villa Ridge | 1 | $2,342 | 62 | High |
| Nevada | 1 | $2,239 | 62 | High |
| Kennett | 1 | $1,848 | 62 | High |
| Platte City | 1 | $2,878 | 62 | High |
| Centertown | 1 | $2,379 | 62 | High |
| Maplewood | 1 | $2,032 | 62 | High |
| Altenburg | 1 | $2,459 | 62 | High |
| Malden | 1 | $1,786 | 62 | High |
| Cameron | 1 | $2,570 | 62 | High |
| Aurora | 1 | $2,106 | 62 | High |
| Lone Jack | 1 | $2,765 | 62 | High |
| Qulin | 1 | $1,847 | 62 | High |
| Rhineland | 1 | $2,409 | 62 | High |
| Unionville | 1 | $2,400 | 62 | High |
| St. Joseph | 6 | $2,406 | 61 | High |
| Farley | 1 | $2,409 | 61 | High |
| Conway | 1 | $1,974 | 61 | High |
| Bourbon | 1 | $2,187 | 61 | High |
| Sundown | 2 | $2,060 | 61 | High |
| Kirkwood | 1 | $2,743 | 61 | High |
| Paris | 1 | $2,081 | 61 | High |
| Goose Creek Lake | 2 | $2,246 | 61 | High |
| Weaubleau | 1 | $1,922 | 61 | High |
| Irondale | 1 | $2,206 | 61 | High |
| Warrenton | 1 | $2,299 | 61 | High |
| Trenton | 1 | $2,267 | 61 | High |
| Weston | 1 | $2,703 | 61 | High |
| Dixon | 1 | $2,247 | 61 | High |
| Verona | 1 | $2,158 | 61 | High |
| Waverly | 1 | $2,154 | 61 | High |
| Peculiar | 1 | $2,594 | 61 | High |
| Rich Hill | 1 | $2,475 | 61 | High |
| Puxico | 2 | $1,946 | 61 | High |
| Wentzville | 1 | $2,339 | 61 | High |
| Festus | 1 | $2,276 | 61 | High |
| Warsaw | 1 | $2,199 | 61 | High |
| Meta | 1 | $2,532 | 61 | High |
| Taneyville | 1 | $2,084 | 61 | High |
| Asbury | 1 | $2,228 | 61 | High |
| Fredericktown | 1 | $2,113 | 61 | High |
| Hannibal | 1 | $2,415 | 61 | High |
| Licking | 1 | $2,033 | 61 | High |
| Three Creeks | 1 | $2,477 | 60 | Elevated |
| Kansas City | 44 | $2,672 | 60 | Elevated |
| Burfordville | 1 | $2,147 | 60 | Elevated |
| Stockton | 1 | $2,199 | 60 | Elevated |
| Houston | 2 | $2,094 | 60 | Elevated |
| Oregon | 1 | $2,371 | 60 | Elevated |
| Bunceton | 1 | $2,284 | 60 | Elevated |
| Troy | 1 | $2,164 | 60 | Elevated |
| Ballwin | 2 | $2,477 | 60 | Elevated |
| Sweet Springs | 1 | $2,230 | 60 | Elevated |
| Polo | 1 | $2,383 | 60 | Elevated |
| Oakville | 1 | $2,360 | 60 | Elevated |
| Canton | 1 | $2,013 | 60 | Elevated |
| Maryland Heights | 2 | $2,157 | 60 | Elevated |
| Caledonia | 3 | $2,185 | 60 | Elevated |
| Crystal City | 1 | $1,990 | 60 | Elevated |
| Ravanna | 1 | $2,187 | 60 | Elevated |
| Crocker | 1 | $1,951 | 60 | Elevated |
| Gower | 1 | $2,582 | 60 | Elevated |
| Barnhart | 1 | $2,371 | 60 | Elevated |
| Sullivan | 1 | $2,134 | 60 | Elevated |
| Lewistown | 1 | $1,912 | 60 | Elevated |
| Center | 1 | $2,117 | 60 | Elevated |
| Advance | 1 | $1,908 | 60 | Elevated |
| O'Fallon | 2 | $2,360 | 59 | Elevated |
| Overland | 1 | $1,850 | 59 | Elevated |
| Union | 1 | $2,217 | 59 | Elevated |
| Concord | 1 | $2,435 | 59 | Elevated |
| Portage Des Sioux | 1 | $1,844 | 59 | Elevated |
| Pleasant Hill | 1 | $2,822 | 59 | Elevated |
| Mayview | 1 | $2,223 | 59 | Elevated |
| Harrisonville | 1 | $2,607 | 59 | Elevated |
| St. James | 1 | $2,127 | 59 | Elevated |
| Salem | 1 | $1,958 | 59 | Elevated |
| Leeton | 1 | $2,221 | 59 | Elevated |
| Drexel | 1 | $2,932 | 59 | Elevated |
| Jamestown | 1 | $1,940 | 59 | Elevated |
| Knob Noster | 1 | $2,382 | 59 | Elevated |
| Grayhawk | 1 | $2,183 | 59 | Elevated |
| Clarksville | 1 | $2,337 | 59 | Elevated |
| Arcadia | 1 | $2,345 | 59 | Elevated |
| Centerville | 3 | $1,836 | 59 | Elevated |
| Marshall | 1 | $2,458 | 59 | Elevated |
| Campbell | 1 | $1,739 | 59 | Elevated |
| Albany | 1 | $2,392 | 59 | Elevated |
| Montgomery City | 1 | $2,169 | 59 | Elevated |
| Concordia | 1 | $2,183 | 59 | Elevated |
| Pevely | 1 | $2,199 | 59 | Elevated |
| Mokane | 2 | $2,008 | 59 | Elevated |
| Bland | 1 | $2,146 | 59 | Elevated |
| Rocky Comfort | 1 | $2,019 | 59 | Elevated |
| Milo | 1 | $2,021 | 59 | Elevated |
| Palmyra | 1 | $2,216 | 59 | Elevated |
| Neelyville | 1 | $1,837 | 59 | Elevated |
| Higbee | 1 | $2,101 | 59 | Elevated |
| Bertrand | 1 | $1,801 | 59 | Elevated |
| Freeburg | 2 | $2,805 | 58 | Elevated |
| Clark | 1 | $2,265 | 58 | Elevated |
| Appleton City | 1 | $1,890 | 58 | Elevated |
| Gerald | 1 | $2,407 | 58 | Elevated |
| Kahoka | 1 | $2,382 | 58 | Elevated |
| California | 1 | $2,188 | 58 | Elevated |
| Hallsville | 1 | $2,063 | 58 | Elevated |
| Cosby | 1 | $2,263 | 58 | Elevated |
| Wellsville | 1 | $1,771 | 58 | Elevated |
| Caruthersville | 1 | $2,055 | 58 | Elevated |
| Sugar Creek | 2 | $2,179 | 58 | Elevated |
| Grandview | 1 | $2,246 | 58 | Elevated |
| Monett | 1 | $2,282 | 58 | Elevated |
| Cuba | 1 | $2,334 | 58 | Elevated |
| Park Hills | 1 | $2,188 | 58 | Elevated |
| Leasburg | 1 | $2,250 | 58 | Elevated |
| Owensville | 1 | $2,249 | 58 | Elevated |
| Senath | 1 | $1,655 | 58 | Elevated |
| Lee's Summit | 5 | $2,740 | 58 | Elevated |
| Weldon Spring | 1 | $2,533 | 58 | Elevated |
| Webster Groves | 1 | $2,386 | 58 | Elevated |
| Fulton | 2 | $2,108 | 58 | Elevated |
| Holts Summit | 1 | $2,188 | 58 | Elevated |
| East Prairie | 1 | $1,961 | 58 | Elevated |
| Kearney | 1 | $2,831 | 58 | Elevated |
| Parkville | 1 | $3,013 | 58 | Elevated |
| Pomona | 1 | $1,821 | 57 | Elevated |
| Callao | 1 | $1,913 | 57 | Elevated |
| Herculaneum | 1 | $2,094 | 57 | Elevated |
| Urbana | 1 | $2,135 | 57 | Elevated |
| Freeman | 1 | $2,628 | 57 | Elevated |
| Ellington | 1 | $2,133 | 57 | Elevated |
| Higginsville | 1 | $2,394 | 57 | Elevated |
| Independence | 7 | $2,231 | 57 | Elevated |
| Faucett | 1 | $2,565 | 57 | Elevated |
| Huntsville | 1 | $2,095 | 57 | Elevated |
| Deepwater | 1 | $2,256 | 57 | Elevated |
| Goodman | 1 | $2,091 | 57 | Elevated |
| Carrollton | 1 | $2,181 | 57 | Elevated |
| Smithville | 1 | $2,858 | 57 | Elevated |
| Chillicothe | 1 | $2,225 | 57 | Elevated |
| Summersville | 1 | $2,152 | 57 | Elevated |
| Bethany | 1 | $2,181 | 57 | Elevated |
| Ironton | 1 | $2,145 | 57 | Elevated |
| Perry | 1 | $1,836 | 57 | Elevated |
| Cleveland | 1 | $2,619 | 57 | Elevated |
| Greenwood | 1 | $2,954 | 57 | Elevated |
| Centerview | 1 | $2,413 | 57 | Elevated |
| Maysville | 1 | $2,186 | 57 | Elevated |
| Glen Allen | 1 | $2,027 | 57 | Elevated |
| Maryville | 1 | $2,347 | 57 | Elevated |
| La Monte | 1 | $2,214 | 56 | Elevated |
| Edina | 1 | $2,027 | 56 | Elevated |
| Shelbina | 1 | $2,052 | 56 | Elevated |
| Foley | 1 | $2,061 | 56 | Elevated |
| La Belle | 1 | $1,643 | 56 | Elevated |
| Stoutsville | 1 | $1,843 | 56 | Elevated |
| Green Ridge | 1 | $2,242 | 56 | Elevated |
| Phillipsburg | 1 | $2,171 | 56 | Elevated |
| Richmond | 1 | $2,417 | 56 | Elevated |
| Innsbrook | 1 | $2,235 | 56 | Elevated |
| Camden Point | 1 | $2,538 | 56 | Elevated |
| Mexico | 1 | $1,948 | 56 | Elevated |
| Ozora | 1 | $2,316 | 56 | Elevated |
| Mercer | 1 | $2,120 | 56 | Elevated |
| Blue Springs | 2 | $2,413 | 56 | Elevated |
| Liberty | 1 | $2,714 | 56 | Elevated |
| Wellington | 1 | $2,169 | 56 | Elevated |
| Charleston | 1 | $2,009 | 56 | Elevated |
| Adrian | 1 | $2,727 | 56 | Elevated |
| Ewing | 2 | $2,155 | 56 | Elevated |
| Leadwood | 1 | $1,969 | 56 | Elevated |
| St. Charles | 2 | $2,145 | 56 | Elevated |
| Kingsville | 1 | $2,630 | 56 | Elevated |
| Hardin | 1 | $2,217 | 56 | Elevated |
| Memphis | 1 | $2,334 | 56 | Elevated |
| Excelsior Springs | 1 | $2,360 | 56 | Elevated |
| Hermitage | 2 | $1,973 | 56 | Elevated |
| La Grange | 1 | $2,040 | 56 | Elevated |
| Bloomsdale | 1 | $2,175 | 55 | Elevated |
| Bates City | 1 | $2,571 | 55 | Elevated |
| Grain Valley | 1 | $2,416 | 55 | Elevated |
| Rosebud | 1 | $2,226 | 55 | Elevated |
| Linn | 1 | $2,445 | 55 | Elevated |
| Cassville | 1 | $2,343 | 55 | Elevated |
| Imperial | 1 | $2,263 | 55 | Elevated |
| Marquand | 1 | $1,985 | 55 | Elevated |
| Plevna | 1 | $1,988 | 55 | Elevated |
| Wentworth | 1 | $2,366 | 55 | Elevated |
| De Soto | 2 | $2,045 | 55 | Elevated |
| Centralia | 1 | $1,928 | 55 | Elevated |
| Bowling Green | 1 | $2,134 | 55 | Elevated |
| Sedalia | 1 | $2,191 | 55 | Elevated |
| Golden City | 1 | $1,988 | 55 | Elevated |
| Alton | 1 | $1,790 | 55 | Elevated |
| Hughesville | 1 | $2,332 | 54 | Elevated |
| Old Monroe | 1 | $2,237 | 54 | Elevated |
| Harrisburg | 1 | $2,217 | 54 | Elevated |
| Prairie Home | 1 | $2,029 | 54 | Elevated |
| Mountain View | 1 | $1,953 | 54 | Elevated |
| Rolla | 1 | $2,154 | 54 | Elevated |
| Salisbury | 1 | $2,105 | 54 | Elevated |
| Oak Grove | 1 | $2,417 | 54 | Elevated |
| Sibley | 1 | $2,568 | 54 | Elevated |
| Curryville | 1 | $2,251 | 54 | Elevated |
| Kirksville | 1 | $2,025 | 54 | Elevated |
| Brookfield | 1 | $2,113 | 54 | Elevated |
| New Florence | 1 | $2,045 | 54 | Elevated |
| Stoutland | 1 | $1,926 | 54 | Elevated |
| Napoleon | 1 | $2,424 | 54 | Elevated |
| Columbia | 3 | $2,154 | 54 | Elevated |
| Middletown | 1 | $2,023 | 54 | Elevated |
| Berger | 1 | $2,332 | 54 | Elevated |
| Macon | 1 | $2,039 | 53 | Elevated |
| Moberly | 1 | $1,966 | 53 | Elevated |
| Braymer | 1 | $1,991 | 53 | Elevated |
| Belton | 1 | $2,489 | 53 | Elevated |
| Holden | 1 | $2,511 | 53 | Elevated |
| Boonville | 1 | $2,190 | 53 | Elevated |
| Ashland | 1 | $2,146 | 53 | Elevated |
| Sturgeon | 1 | $2,106 | 53 | Elevated |
| Montrose | 1 | $2,103 | 53 | Elevated |
| Fayette | 1 | $2,113 | 53 | Elevated |
| Lexington | 1 | $2,236 | 53 | Elevated |
| Raymore | 1 | $2,516 | 53 | Elevated |
| Frankford | 1 | $2,161 | 53 | Elevated |
| Halfway | 1 | $2,222 | 52 | Elevated |
| Arnold | 1 | $2,005 | 52 | Elevated |
| Greenville | 2 | $1,860 | 52 | Elevated |
| Odessa | 1 | $2,392 | 52 | Elevated |
| Louisiana | 1 | $1,771 | 52 | Elevated |
| Affton | 1 | $1,812 | 52 | Elevated |
| Glasgow | 1 | $2,427 | 52 | Elevated |
| Lockwood | 1 | $1,807 | 52 | Elevated |
| High Ridge | 1 | $2,188 | 52 | Elevated |
| Cairo | 1 | $1,971 | 52 | Elevated |
| Milan | 1 | $1,829 | 52 | Elevated |
| St. Peters | 1 | $2,116 | 52 | Elevated |
| Hayti | 1 | $1,852 | 52 | Elevated |
| Lawson | 1 | $2,647 | 52 | Elevated |
| Greencastle | 1 | $2,036 | 52 | Elevated |
| Morrison | 1 | $2,738 | 52 | Elevated |
| Orrick | 1 | $2,421 | 51 | Elevated |
| Norborne | 1 | $2,096 | 51 | Elevated |
| Crestwood | 1 | $1,966 | 51 | Elevated |
| Middle Grove | 1 | $2,004 | 51 | Elevated |
| Holt | 1 | $2,709 | 51 | Elevated |
| Fenton | 1 | $2,184 | 51 | Elevated |
| Martinsburg | 1 | $1,740 | 51 | Elevated |
| Hamilton | 1 | $2,304 | 51 | Elevated |
| Novinger | 1 | $1,780 | 51 | Elevated |
| Windsor | 1 | $2,114 | 50 | Elevated |
| Marceline | 1 | $2,114 | 50 | Elevated |
| Smithton | 1 | $2,339 | 50 | Elevated |
| Lemay | 1 | $1,692 | 50 | Elevated |
| Pattonsburg | 1 | $2,021 | 49 | Elevated |
| New Franklin | 1 | $2,015 | 49 | Elevated |
| Corder | 1 | $2,148 | 49 | Elevated |
| Slater | 1 | $2,249 | 49 | Elevated |
| Hartsburg | 1 | $2,414 | 49 | Elevated |
| Doolittle | 1 | $2,012 | 49 | Elevated |
| Excello | 1 | $2,393 | 49 | Elevated |
| Rayville | 1 | $2,512 | 49 | Elevated |
| Lathrop | 1 | $2,603 | 49 | Elevated |
| Meadville | 1 | $2,009 | 48 | Elevated |
| La Plata | 1 | $1,723 | 48 | Elevated |
| Amsterdam | 1 | $2,660 | 48 | Elevated |
| Pilot Grove | 1 | $1,910 | 47 | Elevated |
| Stanberry | 1 | $2,067 | 46 | Elevated |
| Russellville | 1 | $2,354 | 45 | Elevated |
| Osborn | 1 | $1,990 | 45 | Elevated |
| Jamesport | 1 | $2,021 | 42 | Elevated |
| Vandalia | 1 | $1,718 | 42 | Elevated |
| Keytesville | 1 | $1,892 | 35 | Moderate |
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Highest Risk ZIPs
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.