InsureWatch

64804

High66

Joplin, Missouri — Newton County

Pop. 37,043Median Income $59,563Median Home $159,300
0/ 100High Risk

2025 Estimated Premium

$2,553/yr

+17.8% from 2022 actual ($2,167)

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

Avg Premium (2022)

$2,167

+4.1%

2018–2025

Nonrenewal Rate

1.74%

2018–2022

Claim Frequency

4.7%

Avg Claim Amount

$13,404

Score Breakdown

Premium Level (25%)81
Premium Trend (20%)70
Nonrenewal Risk (20%)83
Storm Exposure (15%)28
Affordability (10%)83
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201819 events
Property damage$28,000
1 tornado6 hail4 flood
19
201950 events
Property damage$1,005,500
6 hail18 flood
20
202033 events
Property damage$74,000
14 hail6 flood
21
202135 events
Property damage$258,000
1 tornado3 hail21 flood
22
202215 events
Property damage$46,000
2 hail7 flood
23
202329 events
Property damage$973,000
1 tornado4 hail9 flood
24
202432 events
Property damage$165,000
15 hail1 flood
25
202521 events
Property damage$154,500
1 tornado3 hail5 flood

Nearby ZIP Codes

64801Joplin, MO
68High
64841Duenweg, MO
73High
64840Diamond, MO
69High
64835Carterville, MO
66High
66739Galena, KS
65High

Compare home insurance quotes in Joplin, MO

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Joplin, MO? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Joplin, MO.

Compare this ZIP

See how 64804 stacks up against another ZIP code or city.

Compare Now

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.