St. Louis, MO

15 ZIP codes — Missouri

Compare quotes in St. Louis, MO

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Avg Premium (2025 Est.)

$2,684

+11.8% from 2022

Stress Score

73/100

Nonrenewal Rate

1.68%

Insurance/Income

5.0%

ZIP Codes in St. Louis

ZIP	Avg Premium	Stress Score	Risk
63106	$2,446	81	Extreme
63107	$2,581	79	High
63108	$4,436	78	High
63112	$3,131	78	High
63113	$2,519	78	High
63120	$1,972	78	High
63115	$2,303	77	High
63104	$2,675	75	High
63147	$2,096	74	High
63111	$1,963	73	High
63118	$2,327	73	High
63110	$2,301	72	High
63116	$1,803	67	High
63109	$1,783	60	Elevated
63139	$1,654	59	Elevated

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.