InsureWatch

65757

High76

Strafford, Missouri — Greene County

Pop. 7,380Median Income $71,368Median Home $227,400
0/ 100High Risk

2025 Estimated Premium

$2,580/yr

+17.8% from 2022 actual ($2,190)

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

Avg Premium (2022)

$2,190

+5.0%

2018–2025

Nonrenewal Rate

2.11%

2018–2022

Claim Frequency

4.7%

Avg Claim Amount

$18,047

Score Breakdown

Premium Level (25%)82
Premium Trend (20%)75
Nonrenewal Risk (20%)88
Storm Exposure (15%)84
Affordability (10%)74
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
2018121 events
Property damage$556,000
2 tornado14 hail8 flood
19
201989 events
Property damage$4,521,000
6 tornado8 hail16 flood
20
202050 events
Property damage$3,951,000
1 tornado20 hail16 flood
21
202129 events
Property damage$51,000
2 hail10 flood
22
202254 events
Property damage$60,000
5 hail30 flood
23
202358 events
Property damage$7,145,000
1 tornado28 hail7 flood
24
202468 events
Property damage$304,500
2 tornado12 hail13 flood
25
2025128 events1 fatalities
Property damage$12,932,000
3 tornado16 hail24 flood

Nearby ZIP Codes

65809Springfield, MO
71High
65648Fair Grove, MO
74High
65803Springfield, MO
69High
65742Rogersville, MO
74High
65706Marshfield, MO
71High

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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.