Homeowners insurance in Missouri: premium by ZIP code
Missouri's median ZIP code paid $1,989 per policy in 2022, ranked 10 of 51, and nonrenewals rose to 1.41%.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Missouri (median ZIP code)
$1,989
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,649.
| Change from 2018 to 2022, after inflation | +9.7% |
| Premium per policy in 2018 | $1,813 |
| Premium per policy in 2022 | $1,989 |
| 2022 premium carried to September 2026 (BLS index) | $2,649 |
| Policies not renewed by the insurer, 2022 | 1.41% |
| Claims paid per 100 policies, yearly average | 5.3 |
| Average claim paid, 2018 to 2022 (adjusted) | $15,584 |
| Cancelled for nonpayment, 2022 | 2.22% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 701 ZIP codes in 113 counties of Missouri in the Treasury file · not a quote
Missouri is one of the dearer states for homeowners insurance in the Treasury file. The median ZIP code paid $1,989 per policy in 2022, ranked 10 of 51 and about 28% above the national median, after a rise of +10.0% after inflation. Even the cheapest tenth of ZIP codes paid over $1,740. The rise was uneven: Clay County, north of Kansas City, rose +17.4%, while St. Louis County rose only +3.2%. The change that stands out is renewals: the share of policies insurers declined to renew went from 0.64% in 2019 to 1.41% in 2022, ranked 5 of 51, high for an inland state. Hail and tornadoes drive the claims, 5.3 per 100 policies a year. The dearest ZIP code was 63124 in St. Louis County, $6,086. The Missouri FAIR Plan covers homes private insurers decline. The data stop in 2022.
St. Louis
St. Louis County had 41 ZIP codes in the file and a median of $2,076 in 2022. Its western suburbs carry the highest figures in the state: ZIP 63124, Ladue and Frontenac, paid $6,086. Franklin County, further west, paid $2,121, and its ZIP 63073 $5,592. Large houses with high dwelling limits explain much of it. Inside the city of St. Louis, an independent city counted apart from the county, older brick houses are common, and the cost to rebuild them with matching materials can exceed their market value, which is worth checking against the dwelling limit.
Kansas City
Jackson County had 49 ZIP codes and a median of $2,078, up +10.9% after inflation. Clay County, north of the river, paid $2,257 after the fastest rise of the large counties. Kansas City sits in the path of the spring hail that crosses Kansas and Missouri, and many policies there carry a percentage wind and hail deductible. The cheapest ZIP codes were in the Ozarks and mid-Missouri, 63656 in Iron County at $1,468 and 65077 in Callaway County at $1,491.
Missouri: odds of a nonrenewal in coming years
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Chance of at least one nonrenewal in 7 renewals, Missouri
9.5%
| Median ZIP rate in 2018 | 0.89% |
| National median ZIP, 2022 | 0.85% |
| Same horizon at the national rate | 5.8% |
| Missouri rank, 51 = lowest | 5 of 51 |
Renewals got harder after 2020
Missouri's median nonrenewal rate went 0.89%, 0.64%, 0.80%, 1.16%, 1.41% from 2018 to 2022. In 16% of its ZIP codes the 2022 rate was above the line of the top tenth nationally. Interestingly, the paid loss ratio fell over the same years, from 36% in 2019 to 30% in 2022, which suggests insurers tightening their rules, often on roof age, rather than reacting to a single bad year. The nonrenewal page explains what to do with a notice.
Claims and the FAIR Plan
Paid claims averaged 5.3 per 100 policies a year at $15,584 each, both near the national figures. Cancellations for nonpayment ran at 2.22%, above the national 1.47%. The Missouri FAIR Plan writes a basic dwelling fire policy covering fire, lightning, windstorm and hail. The Missouri Department of Commerce and Insurance handles complaints.
Missouri, year by year
| Year | Missouri median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,813 | $1,445 | 0.89% | 4.7 | 34% |
| 2019 | $1,829 | $1,469 | 0.64% | 5.5 | 36% |
| 2020 | $1,867 | $1,491 | 0.80% | 5 | 36% |
| 2021 | $1,937 | $1,521 | 1.16% | 4.7 | 30% |
| 2022 | $1,989 | $1,551 | 1.41% | 4.6 | 30% |
The Missouri counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Jackson County | 49 | $1,901 | $2,078 | +10.9% | 1.23% | $15,086 |
| St. Louis County | 41 | $2,039 | $2,076 | +3.2% | 1.17% | $12,680 |
| Franklin County | 19 | $1,943 | $2,121 | +9.2% | 1.23% | $16,646 |
| Clay County | 17 | $1,923 | $2,257 | +17.4% | 1.19% | $15,004 |
| Greene County | 16 | $1,779 | $2,005 | +14.3% | 1.72% | $13,982 |
| St. Louis city | 15 | $2,176 | $2,303 | +2.8% | 1.44% | $14,112 |
| Jefferson County | 14 | $1,887 | $1,968 | +4.4% | 1.38% | $16,039 |
| Platte County | 13 | $1,976 | $2,269 | +15.0% | 1.27% | $14,314 |
Highest and lowest premiums per policy, Missouri ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 63124 | St. Louis County | $6,086 | +9.2% | 1.06% |
| 63073 | Franklin County | $5,592 | +12.3% | 1.13% |
| 63105 | St. Louis County | $4,590 | +3.9% | 1.26% |
| 63108 | St. Louis city | $4,436 | -2.1% | 1.69% |
| 63131 | St. Louis County | $4,175 | +8.3% | 1.02% |
| 63656 | Iron County | $1,468 | -3.3% | 1.22% |
| 65077 | Callaway County | $1,491 | +2.2% | 1.19% |
| 63382 | Audrain County | $1,515 | +6.8% | 0.46% |
| 63447 | Lewis County | $1,522 | -13.2% | 3.28% |
| 63633 | Reynolds County | $1,525 | +0.3% | 1.49% |