65713

High74

Niangua, Missouri — Webster County

Pop. 2,538Median Income $49,911Median Home $153,000

2025 Estimated Premium

$2,240/yr

+13.3% from 2022 actual ($1,977)

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

Avg Premium (2022)

$1,977

+1.6%

2018–2025

Nonrenewal Rate

2.78%

2018–2022

Claim Frequency

3.2%

Avg Claim Amount

$251,950

Score Breakdown

Premium Level (25%)74

Premium Trend (20%)58

Nonrenewal Risk (20%)94

Storm Exposure (15%)88

Affordability (10%)87

Flood Risk (10%)30

Storm History (5-Year Timeline)

201836 events

Property damage$194,000

2 tornado9 hail11 flood

201925 events

Property damage$266,500

2 tornado7 flood

202035 events

Property damage$160,000

5 hail20 flood

202128 events

Property damage$252,000

1 tornado3 hail14 flood

202225 events

Property damage$15,000

3 hail16 flood

202329 events1 fatalities

Property damage$225,000

4 hail12 flood

202445 events

Property damage$14,617,500

14 hail14 flood

202549 events

Property damage$833,500

2 tornado4 hail17 flood

Nearby ZIP Codes

65722Phillipsburg, MO

56Elevated

65667Hartville, MO

64High

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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.