InsureWatch

65605

High62

Aurora, Missouri — Barry County

Pop. 11,705Median Income $51,238Median Home $131,300
0/ 100High Risk

2025 Estimated Premium

$2,106/yr

+15.2% from 2022 actual ($1,828)

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

Avg Premium (2022)

$1,828

+2.5%

2018–2025

Nonrenewal Rate

1.53%

2018–2022

Claim Frequency

8.8%

Avg Claim Amount

$18,928

Score Breakdown

Premium Level (25%)67
Premium Trend (20%)62
Nonrenewal Risk (20%)78
Storm Exposure (15%)42
Affordability (10%)82
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201823 events
Property damage$180,000
2 tornado4 hail7 flood
19
201940 events
Property damage$731,500
4 tornado4 hail12 flood
20
202029 events
Property damage$110,000
7 hail15 flood
21
202137 events
Property damage$272,000
1 tornado12 hail18 flood
22
202233 events
Property damage$105,000
4 hail20 flood
23
202360 events
Property damage$585,000
20 hail15 flood
24
202439 events
Property damage$220,500
1 tornado9 hail5 flood
25
202536 events
Property damage$270,000
1 tornado6 hail13 flood

Nearby ZIP Codes

65769Verona, MO
61High
65712Mount Vernon, MO
64High
65705Marionville, MO
69High
65708Monett, MO
58Elevated
65610Billings, MO
74High

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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.