Missouri Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 699 ZIP codes in Missouri (MO).

The verdict

According to U.S. Treasury FIO filings, Missouri ranks #12 of 51 by average premium ($2,056/yr) ≠ #9 of 50 by nonrenewal (1.60%). Cost rank is not withdrawal rank.

$2,056
State avg premium (#12 of 51): #9
Nonrenewal of 50 (1.60%): 63124
In-state premium ZIP #1 ($6,086): 63120
In-state nonrenewal ZIP #1 (3.17%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Missouri vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$2,056 Higher than most lower premium than 22% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Missouri pay an average of $2,056 per year for home insurance - 16% above the national average of $1,776. That ranks Missouri as the 12th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 9.8%; nonrenewal rates climbed by 39.5% over the same period.

On five-year premium growth (2018–2022), Missouri ranks 15th out of 51 states. Its nonrenewal rate (1.60%) ranks 9th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Missouri Compares

vs National Average

$2,056 vs $1,776

16% above national avg

Rank Among States

12th of 51

most expensive for homeowners insurance

Loss Ratio vs National

41.0% vs 58.0%

insurers retain more margin here

Avg Premium

$2,056/yr

National avg: $1,776 (+16% above)

Premium Change

+9.8%

2018-2022 change

Avg Loss Ratio

41.0%

Claims paid vs premiums earned

Nonrenewal Rate

1.60%

+39.5% change

Data Snapshot: Missouri Homeowners Insurance

Across the 699 Missouri ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $2,056. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Missouri homeowner pays, gives $2,276 per year. That is 16% above the national average of $1,776 per year reported by the Federal Insurance Office. Missouri ranks 12th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,468 in 63656 to $6,086 in 63124.

Between 2018 and 2022, average premiums rose by 9.8% in Missouri, placing the state 15th nationally on five-year premium growth. The state-level loss ratio averaged 41.0%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 1.60% across the ZIP codes that report one (93% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a climb of 39.5% over the study period (ranking 9th out of 50 states).

Within Missouri, premium dispersion across ZIP codes is substantial: the most expensive ZIP (63124 in Saint Louis) charges 314% more than the least expensive (63656 in Middle Brook), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Missouri

Missouri statewide - FIO 2018-2022 average: 41% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

699

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,873	$1,815	53.0%	5.76%	1.14%
2019	$1,890 (+0.9%)	$1,829	54.8%	6.64%	0.81%
2020	$1,939 (+2.6%)	$1,867	60.8%	7.46%	0.98%
2021	$2,011 (+3.7%)	$1,937	43.6%	5.58%	1.41%
2022	$2,056 (+2.2%)	$1,989	41.0%	5.14%	1.60%

Average homeowners premium per year in Missouri.

Most Expensive ZIP Codes in Missouri

Most Affordable ZIP Codes in Missouri

All ZIP Codes in Missouri

699 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
63124	Saint Louis	$6,086	56.8%	14.43%	1.06%
63073	Saint Albans	$5,592	19.6%	5.64%	1.13%
63105	Saint Louis	$4,590	24.5%	7.85%	1.26%
63108	Saint Louis	$4,436	61.1%	11.00%	1.69%
63131	Saint Louis	$4,175	55.1%	8.30%	1.02%
63005	Chesterfield	$3,922	47.2%	7.62%	1.40%
64112	Kansas City	$3,660	20.9%	4.79%	1.56%
63141	Saint Louis	$3,601	71.5%	11.86%	1.17%
63038	Wildwood	$3,424	28.1%	5.22%	1.31%
64113	Kansas City	$3,397	20.7%	5.26%	1.06%
64167	Kansas City	$3,371	44.3%	6.12%	N/A
65630	Chestnutridge	$3,302	22.8%	6.25%	4.38%
63112	Saint Louis	$3,131	70.7%	12.24%	1.38%
65809	Springfield	$3,074	49.9%	7.39%	1.07%
63332	Augusta	$3,057	38.3%	7.25%	1.00%
63127	Saint Louis	$3,015	60.0%	7.16%	1.35%
64166	Kansas City	$2,954	38.6%	3.53%	N/A
63341	Defiance	$2,905	139.6%	9.48%	1.47%
64109	Kansas City	$2,883	64.6%	6.73%	2.03%
64149	Kansas City	$2,868	124.4%	10.38%	2.83%
63017	Chesterfield	$2,859	39.7%	8.64%	0.85%
65323	Calhoun	$2,759	243.3%	3.75%	5.00%
65049	Lake Ozark	$2,727	42.2%	5.09%	1.59%
64620	Altamont	$2,727	20.3%	6.93%	1.98%
64164	Kansas City	$2,713	75.6%	11.59%	1.45%
64111	Kansas City	$2,683	59.7%	4.83%	1.15%
63104	Saint Louis	$2,675	30.4%	6.45%	1.33%
65079	Sunrise Beach	$2,614	31.8%	4.43%	1.05%
65085	Westphalia	$2,613	17.7%	5.99%	0.92%
64106	Kansas City	$2,603	44.9%	6.86%	1.96%
64139	Kansas City	$2,602	44.1%	6.76%	0.93%
63107	Saint Louis	$2,581	72.3%	7.73%	1.47%
64443	Easton	$2,576	42.8%	8.19%	1.75%
65054	Loose Creek	$2,573	87.9%	19.20%	0.80%
65053	Lohman	$2,564	62.2%	6.38%	0.61%
64152	Kansas City	$2,555	29.7%	4.98%	1.14%
63117	Saint Louis	$2,552	32.3%	7.37%	1.05%
64064	Lees Summit	$2,549	31.7%	4.41%	1.22%
65771	Walnut Shade	$2,530	59.2%	6.65%	1.21%
64145	Kansas City	$2,523	18.9%	5.16%	1.29%
63113	Saint Louis	$2,519	124.0%	13.73%	2.72%
64788	Urich	$2,515	6.6%	4.20%	2.52%
63055	Labadie	$2,499	35.9%	4.46%	1.23%
64739	Creighton	$2,498	56.1%	5.30%	3.03%
65075	Saint Elizabeth	$2,493	33.6%	6.25%	0.78%
65732	Preston	$2,491	161.3%	2.90%	2.90%
64034	Greenwood	$2,490	28.0%	4.52%	1.15%
64157	Kansas City	$2,485	55.0%	6.73%	1.57%
63040	Wildwood	$2,484	18.8%	4.55%	0.70%
65611	Blue Eye	$2,475	37.8%	7.88%	2.50%
64108	Kansas City	$2,468	11.3%	4.39%	0.88%
63130	Saint Louis	$2,464	63.4%	11.47%	1.48%
64742	Drexel	$2,462	44.4%	5.48%	1.10%
63769	Oak Ridge	$2,457	13.4%	6.08%	3.87%
63701	Cape Girardeau	$2,453	19.7%	4.33%	2.30%
64493	Turney	$2,447	482.1%	13.43%	1.49%
63106	Saint Louis	$2,446	38.9%	12.50%	2.57%
65681	Lampe	$2,431	57.3%	4.88%	2.10%
63122	Saint Louis	$2,431	43.4%	7.64%	0.94%
65065	Osage Beach	$2,431	30.8%	6.43%	1.57%
64089	Smithville	$2,430	26.5%	3.95%	1.07%
63034	Florissant	$2,425	37.6%	6.71%	1.14%
64477	Plattsburg	$2,418	25.1%	4.88%	2.58%
63626	Blackwell	$2,412	56.2%	2.63%	2.63%
65742	Rogersville	$2,411	56.1%	4.39%	1.88%
64082	Lees Summit	$2,404	35.6%	6.88%	1.18%
64079	Platte City	$2,400	66.8%	9.62%	1.27%
63087	Valles Mines	$2,399	19.9%	3.64%	2.42%
63025	Eureka	$2,395	28.9%	4.58%	1.49%
65262	Kingdom City	$2,394	22.2%	2.67%	2.67%
64158	Kansas City	$2,392	16.2%	3.38%	1.19%
64081	Lees Summit	$2,389	43.7%	8.30%	1.19%
65787	Roach	$2,388	10.8%	3.70%	1.95%
63755	Jackson	$2,385	41.1%	4.66%	2.59%
63132	Saint Louis	$2,381	84.3%	12.52%	1.82%
64070	Lone Jack	$2,380	19.4%	4.90%	1.40%
64086	Lees Summit	$2,379	43.3%	6.95%	1.02%
64060	Kearney	$2,376	21.4%	3.72%	1.26%
64440	De Kalb	$2,368	21.9%	4.81%	1.92%
64080	Pleasant Hill	$2,365	38.6%	3.90%	1.50%
65686	Kimberling City	$2,365	51.6%	9.11%	2.08%
65061	Morrison	$2,364	0.6%	1.20%	1.20%
63348	Foristell	$2,363	45.5%	5.56%	1.45%
63377	Silex	$2,362	11.8%	4.28%	1.90%
64401	Agency	$2,362	84.2%	5.56%	1.85%
65640	Dunnegan	$2,361	N/A	N/A	N/A
65279	Rocheport	$2,358	13.8%	2.86%	1.43%
65737	Reeds Spring	$2,352	59.8%	6.61%	1.59%
64866	Stark City	$2,343	11.1%	3.33%	2.50%
63068	New Haven	$2,337	18.8%	3.34%	1.32%
64110	Kansas City	$2,337	22.9%	4.78%	1.35%
64747	Garden City	$2,329	55.5%	4.55%	1.95%
64492	Trimble	$2,329	26.8%	3.53%	1.04%
63118	Saint Louis	$2,327	39.1%	5.69%	1.44%
64098	Weston	$2,325	46.2%	4.72%	1.37%
65612	Bois D Arc	$2,322	36.8%	5.35%	3.70%
64048	Holt	$2,305	21.2%	4.30%	0.60%
63115	Saint Louis	$2,303	69.0%	13.02%	1.97%
64154	Kansas City	$2,303	23.4%	4.16%	1.32%
63640	Farmington	$2,302	26.1%	3.46%	1.48%
63110	Saint Louis	$2,301	29.1%	4.80%	1.35%
64734	Cleveland	$2,296	21.7%	3.04%	1.42%
64068	Liberty	$2,292	22.6%	4.47%	1.02%
64150	Riverside	$2,286	17.9%	5.28%	1.16%
64470	Mound City	$2,281	34.0%	10.43%	3.07%
65020	Camdenton	$2,277	25.9%	5.39%	1.81%
64723	Amsterdam	$2,273	25.4%	6.06%	N/A
64153	Kansas City	$2,269	28.7%	6.21%	0.44%
63367	Lake Saint Louis	$2,268	24.0%	4.90%	1.31%
63023	Dittmer	$2,267	47.6%	5.43%	1.89%
63056	Leslie	$2,267	17.1%	2.62%	1.57%
64720	Adrian	$2,265	21.1%	3.89%	1.01%
64061	Kingsville	$2,262	26.3%	4.34%	1.12%
64444	Edgerton	$2,261	20.5%	4.22%	1.95%
64506	Saint Joseph	$2,261	31.8%	5.44%	1.85%
64156	Kansas City	$2,257	36.2%	5.24%	2.12%
64640	Gallatin	$2,255	14.3%	2.94%	1.68%
63304	Saint Charles	$2,251	25.9%	5.36%	0.93%
65739	Ridgedale	$2,248	45.2%	4.81%	0.96%
65052	Linn Creek	$2,247	146.5%	6.16%	2.15%
65016	Bonnots Mill	$2,240	15.8%	3.70%	2.31%
63664	Potosi	$2,239	41.3%	4.08%	3.65%
63011	Ballwin	$2,239	27.7%	5.04%	1.04%
64430	Clarksdale	$2,235	45.3%	11.58%	1.05%
64439	Dearborn	$2,235	15.2%	4.06%	2.19%
64011	Bates City	$2,235	26.7%	3.16%	0.96%
64124	Kansas City	$2,233	70.5%	7.67%	1.86%
64746	Freeman	$2,232	37.3%	6.75%	0.96%
64725	Archie	$2,230	25.5%	4.30%	1.67%
64062	Lawson	$2,229	54.2%	6.08%	0.91%
65616	Branson	$2,225	66.4%	10.27%	1.83%
64093	Warrensburg	$2,224	16.6%	4.02%	1.71%
64151	Kansas City	$2,224	46.8%	7.19%	1.23%
65747	Shell Knob	$2,224	55.3%	8.14%	0.59%
64735	Clinton	$2,223	17.1%	3.80%	1.99%
64465	Lathrop	$2,223	21.9%	4.82%	0.51%
65486	Iberia	$2,222	35.8%	7.95%	2.32%
63775	Perryville	$2,222	28.6%	3.83%	1.84%
64018	Camden Point	$2,215	9.0%	3.90%	0.98%
64505	Saint Joseph	$2,213	26.6%	4.58%	1.30%
64155	Kansas City	$2,210	23.9%	5.27%	1.11%
64854	Noel	$2,207	18.7%	5.57%	2.79%
64701	Harrisonville	$2,207	31.5%	3.24%	1.20%
63069	Pacific	$2,205	39.3%	4.26%	1.52%
64078	Peculiar	$2,204	23.0%	4.69%	1.60%
65047	Kaiser	$2,204	40.5%	7.98%	0.94%
64084	Rayville	$2,204	39.9%	5.16%	0.65%
64448	Faucett	$2,204	12.7%	4.02%	0.57%
63138	Saint Louis	$2,200	58.1%	11.04%	1.47%
64454	Gower	$2,195	36.8%	3.90%	1.44%
63090	Washington	$2,195	36.1%	5.26%	1.44%
64088	Sibley	$2,191	51.8%	9.00%	0.69%
65757	Strafford	$2,190	38.9%	4.72%	2.11%
63368	O Fallon	$2,184	37.1%	6.07%	1.03%
64490	Stewartsville	$2,183	42.2%	4.88%	1.05%
63622	Belgrade	$2,181	54.8%	8.70%	N/A
63344	Eolia	$2,180	71.2%	3.85%	1.92%
63732	Altenburg	$2,179	38.8%	2.94%	N/A
64165	Kansas City	$2,178	15.4%	2.00%	3.00%
64834	Carl Junction	$2,176	20.4%	4.13%	1.99%
63060	Lonedell	$2,175	25.6%	3.36%	2.33%
63351	Jonesburg	$2,174	44.7%	5.64%	1.57%
65652	Fordland	$2,174	28.9%	3.19%	2.86%
64128	Kansas City	$2,173	27.4%	5.96%	2.57%
64484	Rushville	$2,172	10.5%	3.15%	3.15%
65810	Springfield	$2,172	37.9%	6.67%	1.72%
63021	Ballwin	$2,168	29.9%	4.86%	0.84%
64804	Joplin	$2,167	28.9%	4.68%	1.74%
65058	Meta	$2,165	9.9%	3.33%	0.83%
64116	Kansas City	$2,163	28.5%	6.38%	1.57%
63357	Marthasville	$2,163	34.8%	3.78%	1.56%
63128	Saint Louis	$2,161	46.3%	5.98%	0.70%
65041	Hermann	$2,159	23.8%	3.41%	3.23%
65717	Norwood	$2,159	126.8%	2.97%	0.99%
64083	Raymore	$2,155	38.7%	5.00%	0.99%
63349	Hawk Point	$2,154	95.3%	6.06%	1.52%
63013	Beaufort	$2,153	23.5%	4.27%	1.42%
64136	Kansas City	$2,152	35.4%	5.52%	1.95%
65656	Galena	$2,152	75.7%	5.98%	1.23%
65069	Rhineland	$2,151	8.6%	1.79%	0.89%
64429	Cameron	$2,149	38.7%	5.14%	1.57%
64446	Fairfax	$2,147	24.1%	14.41%	1.80%
64074	Napoleon	$2,146	3.9%	1.04%	N/A
64012	Belton	$2,144	27.5%	4.33%	0.77%
64015	Blue Springs	$2,142	42.9%	5.42%	1.21%
63623	Belleview	$2,140	6.1%	1.96%	0.98%
65746	Seymour	$2,139	42.4%	4.33%	2.62%
63660	Mineral Point	$2,138	13.6%	3.25%	1.62%
65324	Climax Springs	$2,138	34.2%	4.82%	1.02%
64831	Anderson	$2,137	180.9%	5.61%	1.02%
63119	Saint Louis	$2,135	31.1%	5.40%	0.80%
63869	New Madrid	$2,131	24.9%	5.78%	1.81%
64040	Holden	$2,130	19.3%	3.38%	0.98%
63041	Grubville	$2,129	49.2%	7.02%	0.88%
65721	Ozark	$2,129	65.6%	9.04%	1.87%
65039	Hartsburg	$2,128	6.5%	1.96%	0.82%
65081	Tipton	$2,128	98.2%	15.23%	0.82%
65720	Oldfield	$2,124	24.5%	5.95%	1.19%
65754	Spokane	$2,123	59.8%	8.33%	6.11%
64856	Pineville	$2,123	27.0%	3.45%	1.54%
64131	Kansas City	$2,122	28.6%	5.82%	1.02%
63780	Scott City	$2,122	22.4%	4.06%	2.29%
65037	Gravois Mills	$2,121	25.6%	4.17%	1.28%
63061	Luebbering	$2,121	91.8%	3.70%	N/A
65786	Macks Creek	$2,121	19.8%	3.81%	1.38%
65566	Viburnum	$2,120	1.3%	1.63%	3.25%
65624	Cape Fair	$2,118	29.3%	5.92%	1.35%
65704	Mansfield	$2,118	11.5%	2.90%	3.11%
65237	Bunceton	$2,116	8.0%	1.45%	2.90%
64863	South West City	$2,115	18.9%	4.05%	1.35%
63072	Robertsville	$2,115	17.1%	4.06%	0.92%
64738	Collins	$2,111	4.4%	2.31%	2.31%
63343	Elsberry	$2,110	18.1%	3.06%	1.53%
63037	Gerald	$2,107	54.0%	6.09%	0.55%
63459	New London	$2,106	32.5%	3.10%	2.36%
63630	Cadet	$2,105	114.1%	3.80%	1.48%
63628	Bonne Terre	$2,104	38.9%	4.14%	1.76%
64057	Independence	$2,104	55.2%	6.12%	1.06%
63012	Barnhart	$2,103	53.5%	3.84%	1.39%
63336	Clarksville	$2,100	22.3%	4.67%	0.93%
65620	Bruner	$2,100	85.9%	4.05%	N/A
65610	Billings	$2,099	50.7%	6.62%	1.68%
63147	Saint Louis	$2,096	57.3%	12.21%	1.23%
65254	Glasgow	$2,095	22.4%	5.14%	0.64%
63766	Millersville	$2,093	40.1%	6.00%	3.00%
64671	Polo	$2,091	105.5%	4.96%	1.91%
65024	Chamois	$2,091	45.3%	3.67%	1.83%
64077	Orrick	$2,091	17.1%	4.58%	0.98%
63050	Hillsboro	$2,089	42.9%	4.62%	1.29%
63015	Catawissa	$2,089	26.2%	4.70%	1.17%
64855	Oronogo	$2,088	25.9%	5.79%	2.71%
63014	Berger	$2,087	0.6%	1.77%	0.88%
65051	Linn	$2,087	23.7%	4.22%	1.10%
65646	Everton	$2,085	168.3%	5.11%	2.27%
63956	Patterson	$2,083	90.8%	8.08%	2.02%
64114	Kansas City	$2,082	48.5%	5.64%	1.03%
64485	Savannah	$2,081	27.9%	3.56%	2.00%
64029	Grain Valley	$2,078	34.3%	4.91%	1.13%
64836	Carthage	$2,077	47.3%	3.57%	1.31%
65604	Ash Grove	$2,077	66.0%	5.09%	1.16%
64730	Butler	$2,076	25.6%	4.61%	1.96%
63146	Saint Louis	$2,076	60.5%	10.36%	1.11%
63631	Caledonia	$2,076	17.2%	3.85%	1.92%
63129	Saint Louis	$2,075	33.1%	5.51%	0.87%
63771	Oran	$2,074	68.3%	3.36%	1.81%
65082	Tuscumbia	$2,073	31.4%	4.67%	0.93%
65350	Smithton	$2,073	19.0%	5.29%	0.96%
63350	High Hill	$2,072	63.1%	6.93%	1.98%
63385	Wentzville	$2,072	32.2%	5.34%	1.22%
65685	Louisburg	$2,071	340.0%	6.02%	N/A
64076	Odessa	$2,071	15.9%	3.27%	0.84%
65772	Washburn	$2,071	36.0%	5.45%	N/A
64075	Oak Grove	$2,070	35.0%	3.93%	1.03%
65340	Marshall	$2,069	14.4%	3.01%	1.42%
63736	Benton	$2,067	12.6%	2.76%	2.30%
64019	Centerview	$2,066	11.7%	4.21%	1.58%
65714	Nixa	$2,066	63.7%	8.87%	1.87%
64649	Kidder	$2,063	16.3%	5.10%	2.04%
65247	Excello	$2,063	8.1%	2.13%	N/A
65753	Sparta	$2,062	17.4%	3.24%	2.46%
64125	Kansas City	$2,061	13.1%	5.34%	4.58%
63089	Villa Ridge	$2,061	48.5%	5.16%	1.23%
64459	Helena	$2,059	66.5%	8.96%	2.99%
63637	Doe Run	$2,059	87.3%	3.73%	3.11%
65658	Golden	$2,058	18.9%	3.13%	0.99%
64779	Rich Hill	$2,058	25.5%	5.14%	1.87%
65470	Falcon	$2,058	203.4%	9.33%	2.67%
63303	Saint Charles	$2,057	50.9%	7.24%	1.20%
64850	Neosho	$2,056	34.0%	5.26%	1.58%
64119	Kansas City	$2,056	32.8%	5.01%	1.14%
63033	Florissant	$2,054	54.1%	9.29%	1.55%
64127	Kansas City	$2,054	87.5%	7.78%	1.30%
64123	Kansas City	$2,054	11.6%	3.46%	1.78%
65601	Aldrich	$2,054	28.9%	4.00%	3.00%
65336	Knob Noster	$2,053	36.1%	5.37%	1.24%
65653	Forsyth	$2,052	36.4%	6.29%	1.63%
64037	Higginsville	$2,052	36.4%	4.71%	2.10%
64085	Richmond	$2,051	21.8%	3.77%	1.04%
65080	Tebbetts	$2,050	46.9%	7.01%	1.27%
65017	Brumley	$2,050	25.9%	4.83%	0.69%
63621	Arcadia	$2,049	13.1%	2.42%	1.21%
63144	Saint Louis	$2,045	40.8%	6.47%	1.22%
64507	Saint Joseph	$2,043	40.5%	5.33%	1.66%
65667	Hartville	$2,040	4.1%	2.69%	0.77%
65203	Columbia	$2,039	29.7%	4.63%	1.18%
65463	Eldridge	$2,039	N/A	N/A	N/A
65462	Edgar Springs	$2,039	2.9%	1.29%	1.94%
65649	Fair Play	$2,036	447.9%	37.45%	2.13%
65032	Eugene	$2,036	5.7%	0.78%	1.18%
64138	Kansas City	$2,036	38.5%	5.73%	1.15%
65669	Highlandville	$2,036	73.7%	10.05%	2.38%
65633	Crane	$2,036	48.7%	8.27%	2.11%
65804	Springfield	$2,034	36.3%	5.80%	1.20%
65013	Belle	$2,034	146.9%	4.19%	2.09%
65764	Tunas	$2,034	4.6%	3.81%	0.95%
63565	Unionville	$2,032	17.4%	6.74%	1.69%
63028	Festus	$2,032	35.8%	4.18%	1.93%
64436	Cosby	$2,031	95.7%	10.26%	2.56%
65035	Freeburg	$2,030	14.7%	3.39%	0.68%
65334	Hughesville	$2,028	0.4%	N/A	1.04%
65770	Walnut Grove	$2,027	19.8%	2.92%	1.36%
64463	King City	$2,026	27.5%	3.08%	1.54%
65023	Centertown	$2,025	49.2%	7.27%	0.78%
65591	Montreal	$2,024	16.5%	3.14%	1.57%
64402	Albany	$2,023	54.8%	13.41%	1.81%
63781	Sedgewickville	$2,023	16.2%	N/A	N/A
64865	Seneca	$2,022	29.5%	4.30%	1.72%
64801	Joplin	$2,021	44.4%	5.41%	1.69%
65565	Steelville	$2,018	60.5%	3.91%	2.19%
64873	Wentworth	$2,018	21.6%	3.85%	0.96%
64491	Tarkio	$2,018	25.2%	5.32%	2.66%
64063	Lees Summit	$2,017	34.8%	6.17%	1.36%
64024	Excelsior Springs	$2,016	72.5%	7.65%	1.46%
65076	Saint Thomas	$2,014	13.3%	2.50%	N/A
63366	O Fallon	$2,014	37.2%	5.75%	0.95%
63401	Hannibal	$2,013	13.9%	3.97%	1.53%
63953	Naylor	$2,013	37.1%	3.17%	1.59%
65074	Russellville	$2,012	21.2%	3.08%	0.22%
63052	Imperial	$2,012	27.8%	4.47%	1.16%
64130	Kansas City	$2,011	43.2%	7.47%	1.81%
65631	Clever	$2,011	54.9%	7.35%	1.35%
65608	Ava	$2,011	36.0%	3.70%	1.62%
63767	Morley	$2,011	N/A	N/A	N/A
63333	Bellflower	$2,010	226.6%	5.56%	2.78%
63855	Hornersville	$2,010	138.2%	10.42%	N/A
63673	Saint Mary	$2,010	102.1%	9.01%	1.29%
64016	Buckner	$2,009	77.4%	12.17%	1.65%
65101	Jefferson City	$2,009	21.6%	4.20%	1.25%
64733	Chilhowee	$2,008	11.5%	2.94%	1.96%
64473	Oregon	$2,007	28.7%	10.32%	0.65%
65625	Cassville	$2,007	18.8%	4.12%	0.43%
65672	Hollister	$2,006	52.8%	6.97%	1.50%
65708	Monett	$2,004	20.2%	4.68%	1.00%
64118	Kansas City	$2,003	30.3%	6.18%	1.19%
63369	Old Monroe	$2,003	25.8%	2.23%	0.16%
65641	Eagle Rock	$2,003	64.5%	4.43%	0.89%
63121	Saint Louis	$2,001	44.9%	9.68%	1.94%
65026	Eldon	$2,000	37.0%	2.68%	1.99%
63445	Kahoka	$2,000	7.0%	2.54%	0.85%
64014	Blue Springs	$2,000	38.4%	6.78%	1.12%
65689	Cabool	$1,997	28.5%	4.14%	1.62%
64644	Hamilton	$1,995	9.4%	4.26%	0.50%
65712	Mount Vernon	$1,995	20.0%	5.04%	2.00%
65644	Elkland	$1,995	89.1%	4.76%	1.79%
64146	Kansas City	$1,994	76.8%	5.20%	0.80%
65723	Pierce City	$1,994	42.0%	3.61%	1.35%
65348	Otterville	$1,994	3.7%	0.91%	1.82%
64132	Kansas City	$1,993	52.9%	5.53%	2.55%
63877	Steele	$1,990	69.0%	4.87%	1.95%
65583	Waynesville	$1,989	24.1%	6.03%	1.73%
65617	Brighton	$1,988	31.2%	5.59%	1.40%
65552	Plato	$1,987	24.0%	6.56%	0.82%
65066	Owensville	$1,987	14.8%	2.62%	1.05%
63016	Cedar Hill	$1,986	41.0%	3.05%	1.36%
65453	Cuba	$1,986	52.7%	4.65%	1.27%
63383	Warrenton	$1,985	34.5%	4.59%	2.08%
65059	Mokane	$1,983	13.8%	2.97%	0.99%
64844	Granby	$1,983	20.3%	3.94%	1.77%
65648	Fair Grove	$1,983	39.2%	6.13%	1.72%
65063	New Bloomfield	$1,981	13.7%	3.64%	1.32%
64137	Kansas City	$1,981	19.2%	5.50%	1.03%
65655	Gainesville	$1,980	54.8%	2.74%	2.13%
65781	Willard	$1,978	68.1%	7.55%	1.80%
65201	Columbia	$1,978	18.7%	3.99%	1.27%
64030	Grandview	$1,978	31.4%	4.66%	1.70%
63091	Rosebud	$1,977	19.4%	2.69%	1.61%
64870	Webb City	$1,977	35.2%	5.43%	1.49%
65713	Niangua	$1,977	404.6%	3.17%	2.78%
65662	Grovespring	$1,976	8.0%	3.61%	1.20%
65711	Mountain Grove	$1,976	24.5%	4.78%	2.11%
63967	Williamsville	$1,975	95.3%	4.05%	2.25%
63020	De Soto	$1,975	35.2%	5.41%	2.00%
65332	Green Ridge	$1,974	21.3%	4.79%	2.40%
63627	Bloomsdale	$1,974	74.1%	10.07%	1.54%
63440	Ewing	$1,973	19.6%	1.82%	N/A
63120	Saint Louis	$1,972	52.0%	12.17%	3.17%
64859	Reeds	$1,972	104.1%	9.01%	0.90%
65535	Leasburg	$1,972	126.9%	4.57%	1.02%
65109	Jefferson City	$1,971	42.3%	5.05%	1.59%
63624	Bismarck	$1,967	29.9%	4.56%	2.58%
64468	Maryville	$1,967	18.3%	4.15%	0.94%
65622	Buffalo	$1,966	20.9%	3.20%	1.98%
63390	Wright City	$1,964	31.7%	4.79%	1.42%
65613	Bolivar	$1,964	432.8%	48.89%	1.64%
65663	Half Way	$1,963	37.3%	5.86%	0.45%
63111	Saint Louis	$1,963	52.1%	8.62%	1.77%
65536	Lebanon	$1,963	34.5%	5.70%	2.20%
63937	Ellsinore	$1,962	7.0%	3.28%	3.28%
65629	Chadwick	$1,962	9.4%	3.16%	2.11%
64133	Kansas City	$1,962	32.0%	5.46%	1.23%
65459	Dixon	$1,962	11.4%	4.39%	1.24%
63070	Pevely	$1,961	35.0%	6.10%	1.54%
64830	Alba	$1,960	34.5%	4.40%	N/A
63901	Poplar Bluff	$1,960	40.6%	2.99%	3.07%
64867	Stella	$1,959	15.5%	3.48%	1.74%
63648	Irondale	$1,959	59.1%	7.77%	0.52%
63801	Sikeston	$1,956	48.1%	4.10%	3.26%
65072	Rocky Mount	$1,956	11.2%	2.66%	1.12%
63135	Saint Louis	$1,955	61.6%	9.75%	1.78%
64021	Corder	$1,955	25.7%	7.61%	1.09%
63740	Chaffee	$1,954	14.1%	3.02%	1.31%
64840	Diamond	$1,954	30.4%	4.32%	1.44%
64071	Mayview	$1,953	110.1%	4.81%	1.92%
63049	High Ridge	$1,953	36.7%	6.24%	1.12%
63044	Bridgeton	$1,950	33.9%	7.89%	1.25%
64129	Kansas City	$1,950	43.1%	6.69%	1.14%
65011	Barnett	$1,950	32.1%	2.67%	1.21%
65438	Birch Tree	$1,950	66.1%	4.25%	1.89%
64832	Asbury	$1,949	3.5%	2.06%	N/A
65441	Bourbon	$1,947	29.3%	3.20%	1.28%
65706	Marshfield	$1,947	29.5%	5.69%	3.61%
64067	Lexington	$1,946	26.8%	5.03%	1.23%
65647	Exeter	$1,945	9.1%	3.68%	0.61%
63084	Union	$1,944	39.4%	6.12%	1.34%
65761	Theodosia	$1,944	25.1%	2.63%	0.53%
63555	Memphis	$1,943	13.2%	1.83%	2.44%
65707	Miller	$1,941	77.1%	3.90%	1.95%
63026	Fenton	$1,941	48.2%	6.95%	0.97%
65638	Drury	$1,938	48.9%	8.20%	N/A
63051	House Springs	$1,936	37.6%	5.37%	1.45%
64096	Waverly	$1,935	20.0%	6.19%	1.77%
65243	Clark	$1,935	7.2%	1.50%	1.50%
65556	Richland	$1,934	14.3%	4.10%	1.67%
65679	Kirbyville	$1,933	41.2%	4.37%	1.46%
63456	Monroe City	$1,933	58.4%	4.96%	2.11%
63546	Greentop	$1,932	3.5%	0.91%	1.82%
65722	Phillipsburg	$1,931	15.6%	4.00%	N/A
64097	Wellington	$1,930	57.6%	9.93%	N/A
65256	Harrisburg	$1,929	29.5%	2.14%	N/A
64755	Jasper	$1,929	17.4%	3.68%	1.84%
63662	Patton	$1,928	84.3%	5.36%	1.79%
64862	Sarcoxie	$1,926	39.2%	5.43%	1.09%
63785	Whitewater	$1,926	0.4%	0.70%	1.41%
64759	Lamar	$1,926	19.9%	3.14%	1.57%
64740	Deepwater	$1,923	8.4%	1.54%	3.86%
65790	Pottersville	$1,922	9.1%	1.64%	1.64%
63339	Curryville	$1,921	11.5%	1.18%	1.18%
65668	Hermitage	$1,920	16.8%	3.08%	0.77%
63670	Sainte Genevieve	$1,920	29.2%	3.10%	1.59%
63957	Piedmont	$1,917	13.8%	3.58%	1.57%
64421	Amazonia	$1,917	34.3%	7.22%	2.06%
63601	Park Hills	$1,916	41.8%	4.10%	1.46%
65745	Seligman	$1,916	11.1%	4.10%	1.02%
64020	Concordia	$1,916	18.6%	3.51%	1.65%
63379	Troy	$1,914	29.1%	3.75%	1.28%
64683	Trenton	$1,912	27.6%	3.77%	1.56%
65785	Stockton	$1,912	41.0%	5.67%	1.22%
64482	Rock Port	$1,911	26.5%	7.26%	1.68%
64161	Kansas City	$1,911	15.1%	2.86%	5.71%
65760	Tecumseh	$1,910	6.8%	2.04%	N/A
64772	Nevada	$1,910	81.5%	10.67%	1.13%
65231	Auxvasse	$1,909	49.1%	3.30%	2.70%
65349	Slater	$1,908	13.4%	4.85%	0.75%
65769	Verona	$1,907	27.6%	6.28%	1.64%
65014	Bland	$1,906	28.7%	3.92%	1.63%
65725	Pleasant Hope	$1,905	50.0%	5.47%	0.63%
65351	Sweet Springs	$1,905	31.3%	3.66%	1.83%
64058	Independence	$1,904	31.5%	6.84%	1.53%
65590	Long Lane	$1,904	15.1%	3.37%	N/A
65680	Kissee Mills	$1,904	75.0%	9.20%	2.80%
63935	Doniphan	$1,903	33.8%	3.61%	2.68%
65767	Urbana	$1,902	111.1%	3.97%	1.19%
63389	Winfield	$1,902	27.0%	2.97%	1.67%
65584	Saint Robert	$1,900	17.5%	3.80%	2.18%
64134	Kansas City	$1,900	43.4%	5.96%	1.34%
65233	Boonville	$1,900	43.5%	2.94%	1.04%
65619	Brookline	$1,897	20.9%	3.83%	1.19%
63461	Palmyra	$1,896	23.4%	2.70%	1.72%
63361	Montgomery City	$1,896	29.5%	4.81%	1.41%
64501	Saint Joseph	$1,896	13.6%	3.48%	1.65%
65301	Sedalia	$1,895	43.4%	7.14%	1.56%
65483	Houston	$1,893	51.4%	5.67%	1.67%
63376	Saint Peters	$1,891	35.9%	5.65%	0.78%
63334	Bowling Green	$1,889	31.3%	3.44%	1.03%
64761	Leeton	$1,887	128.9%	6.13%	3.07%
63638	Ellington	$1,887	58.4%	3.24%	0.88%
65084	Versailles	$1,887	20.9%	3.54%	2.10%
65401	Rolla	$1,886	47.4%	4.82%	0.89%
63703	Cape Girardeau	$1,886	14.8%	2.65%	1.33%
65010	Ashland	$1,885	46.3%	3.62%	1.08%
65337	La Monte	$1,884	39.8%	7.22%	1.55%
65251	Fulton	$1,884	31.0%	2.23%	1.24%
65355	Warsaw	$1,884	38.0%	3.03%	1.72%
63939	Fairdealing	$1,883	16.2%	1.48%	1.48%
64424	Bethany	$1,882	13.4%	3.00%	1.50%
63841	Dexter	$1,881	32.3%	3.46%	1.92%
65466	Eminence	$1,880	12.9%	1.91%	N/A
63650	Ironton	$1,879	12.5%	2.64%	1.32%
63080	Sullivan	$1,879	42.8%	4.92%	1.53%
63088	Valley Park	$1,876	23.0%	4.91%	1.07%
64126	Kansas City	$1,875	49.6%	6.62%	0.99%
65043	Holts Summit	$1,875	26.8%	3.97%	1.26%
65705	Marionville	$1,874	24.4%	3.55%	2.71%
63077	Saint Clair	$1,874	66.8%	5.22%	0.98%
65738	Republic	$1,872	32.5%	6.48%	1.95%
65018	California	$1,872	40.7%	3.22%	1.65%
63739	Burfordville	$1,867	12.7%	4.08%	3.06%
63048	Herculaneum	$1,867	21.7%	4.62%	1.13%
64843	Goodman	$1,866	58.0%	2.73%	N/A
63137	Saint Louis	$1,865	43.8%	8.65%	1.51%
63830	Caruthersville	$1,865	72.4%	5.93%	1.30%
64035	Hardin	$1,865	7.6%	2.08%	N/A
65284	Sturgeon	$1,865	16.6%	2.44%	1.11%
65325	Cole Camp	$1,865	12.7%	4.13%	1.27%
64776	Osceola	$1,864	26.1%	3.10%	1.67%
63362	Moscow Mills	$1,863	76.3%	3.88%	1.40%
64052	Independence	$1,863	56.1%	5.68%	1.34%
64053	Independence	$1,861	15.9%	4.31%	1.63%
63834	Charleston	$1,861	15.7%	4.48%	1.22%
65040	Henley	$1,860	54.2%	2.71%	1.81%
63620	Annapolis	$1,860	27.0%	3.96%	2.64%
63441	Frankford	$1,860	36.9%	1.97%	0.66%
65588	Winona	$1,860	0.0%	0.43%	2.16%
64601	Chillicothe	$1,859	31.8%	2.99%	1.31%
63645	Fredericktown	$1,859	85.7%	6.67%	2.69%
64055	Independence	$1,858	35.3%	6.36%	1.06%
64056	Independence	$1,857	40.1%	5.56%	1.38%
65338	Lincoln	$1,857	19.8%	3.41%	1.30%
64744	El Dorado Springs	$1,856	97.7%	3.43%	1.57%
63039	Gray Summit	$1,855	18.3%	6.25%	0.96%
63136	Saint Louis	$1,855	48.9%	10.08%	1.80%
64469	Maysville	$1,852	102.1%	6.92%	1.54%
65674	Humansville	$1,851	42.0%	3.80%	0.42%
64494	Union Star	$1,851	25.7%	9.16%	1.53%
65559	Saint James	$1,851	21.4%	2.69%	1.28%
64163	Kansas City	$1,851	23.4%	9.52%	0.48%
64050	Independence	$1,847	31.3%	5.23%	1.09%
65582	Vienna	$1,846	22.9%	3.45%	1.15%
64504	Saint Joseph	$1,846	40.4%	5.23%	1.96%
63867	Matthews	$1,845	52.9%	4.40%	N/A
64770	Montrose	$1,843	26.4%	2.88%	N/A
63437	Clarence	$1,843	12.2%	2.33%	2.33%
63825	Bloomfield	$1,843	30.4%	2.20%	1.40%
63347	Foley	$1,841	28.6%	4.81%	0.74%
65775	West Plains	$1,841	23.8%	3.29%	1.76%
65571	Summersville	$1,840	14.8%	1.44%	0.48%
65627	Cedarcreek	$1,838	38.7%	1.24%	0.62%
64489	Stanberry	$1,838	68.0%	10.36%	0.52%
64658	Marceline	$1,837	13.9%	4.76%	1.49%
64054	Independence	$1,836	46.5%	3.44%	1.50%
63359	Middletown	$1,836	19.6%	3.33%	N/A
63454	Maywood	$1,835	41.4%	4.32%	N/A
64633	Carrollton	$1,834	25.6%	2.75%	1.46%
65259	Huntsville	$1,834	13.9%	4.05%	1.56%
65710	Morrisville	$1,832	141.5%	6.94%	1.73%
65444	Bucyrus	$1,831	22.8%	4.85%	N/A
63932	Broseley	$1,830	26.2%	3.37%	3.37%
64762	Liberal	$1,830	18.7%	2.16%	0.72%
65360	Windsor	$1,829	15.4%	3.21%	1.01%
65248	Fayette	$1,829	226.3%	24.38%	0.99%
65534	Laquey	$1,828	4.7%	4.20%	N/A
63870	Parma	$1,828	7.3%	N/A	1.69%
65605	Aurora	$1,828	91.5%	8.83%	1.53%
65734	Purdy	$1,826	45.4%	7.53%	1.79%
64673	Princeton	$1,826	10.2%	3.06%	1.75%
65729	Pontiac	$1,826	32.3%	6.78%	N/A
65281	Salisbury	$1,825	7.8%	2.87%	0.96%
65626	Caulfield	$1,823	10.5%	3.06%	1.53%
65692	Koshkonong	$1,823	34.8%	3.76%	N/A
63873	Portageville	$1,823	28.6%	4.65%	2.56%
63031	Florissant	$1,820	44.8%	7.51%	1.18%
65759	Taneyville	$1,818	44.0%	3.70%	0.62%
65326	Edwards	$1,817	29.0%	2.68%	0.74%
63654	Lesterville	$1,817	35.3%	0.65%	2.61%
63629	Bunker	$1,816	5.3%	3.33%	0.83%
63845	East Prairie	$1,816	17.2%	1.79%	2.24%
63143	Saint Louis	$1,813	28.7%	5.36%	0.99%
63363	New Florence	$1,811	4.8%	1.28%	0.85%
64117	Kansas City	$1,809	38.6%	6.52%	1.66%
65068	Prairie Home	$1,807	13.3%	3.13%	N/A
63764	Marble Hill	$1,807	15.2%	2.27%	2.27%
65078	Stover	$1,806	118.3%	2.56%	1.75%
65555	Raymondville	$1,805	15.7%	4.63%	1.85%
63945	Harviell	$1,804	0.5%	0.78%	3.10%
65255	Hallsville	$1,804	18.4%	2.60%	1.77%
65580	Vichy	$1,804	10.3%	5.22%	0.87%
65637	Dora	$1,803	17.2%	3.55%	0.59%
63116	Saint Louis	$1,803	30.4%	5.33%	1.19%
65542	Licking	$1,803	17.3%	4.06%	2.28%
65550	Newburg	$1,802	51.3%	3.63%	0.24%
63653	Leadwood	$1,801	26.6%	3.23%	6.45%
63388	Williamsburg	$1,796	8.1%	5.66%	0.94%
64763	Lowry City	$1,795	13.6%	3.52%	2.82%
63965	Van Buren	$1,795	24.9%	4.79%	1.06%
63301	Saint Charles	$1,792	34.7%	5.03%	0.79%
63751	Glenallen	$1,792	17.2%	1.20%	0.60%
64628	Brookfield	$1,792	20.4%	4.21%	1.20%
65263	Madison	$1,791	5.3%	2.33%	N/A
63043	Maryland Heights	$1,791	54.8%	8.53%	0.97%
64670	Pattonsburg	$1,790	55.4%	7.48%	1.87%
65274	New Franklin	$1,789	17.6%	2.71%	0.78%
65257	Higbee	$1,785	156.6%	5.88%	1.60%
65567	Stoutland	$1,784	49.6%	5.10%	1.02%
63846	Essex	$1,784	128.8%	4.00%	2.40%
65803	Springfield	$1,784	41.5%	5.37%	2.14%
63109	Saint Louis	$1,783	31.5%	5.08%	0.86%
63862	Lilbourn	$1,782	13.3%	2.22%	3.33%
63010	Arnold	$1,781	41.4%	5.87%	1.11%
63019	Crystal City	$1,780	14.5%	3.51%	1.75%
63448	La Grange	$1,780	8.9%	1.79%	N/A
65774	Weaubleau	$1,780	13.5%	5.06%	1.27%
63655	Marquand	$1,777	13.9%	3.31%	1.32%
63552	Macon	$1,776	23.9%	2.03%	1.32%
64861	Rocky Comfort	$1,774	N/A	N/A	1.54%
63386	West Alton	$1,774	176.5%	7.89%	3.95%
65802	Springfield	$1,774	33.7%	5.76%	1.55%
65239	Cairo	$1,773	8.0%	1.63%	2.03%
65275	Paris	$1,770	9.2%	2.58%	1.61%
65740	Rockaway Beach	$1,770	11.5%	3.59%	2.00%
63730	Advance	$1,768	9.2%	1.76%	2.51%
64648	Jamesport	$1,766	11.3%	0.96%	0.96%
63960	Puxico	$1,764	21.2%	2.74%	1.24%
65632	Conway	$1,763	22.9%	4.55%	1.89%
63042	Hazelwood	$1,763	50.8%	8.81%	1.59%
63126	Saint Louis	$1,763	41.3%	5.98%	0.67%
63435	Canton	$1,762	7.1%	1.81%	1.99%
63436	Center	$1,760	20.2%	4.69%	0.94%
64767	Milo	$1,758	27.9%	6.25%	N/A
63501	Kirksville	$1,758	21.4%	3.05%	1.62%
64503	Saint Joseph	$1,757	37.3%	7.01%	1.15%
65650	Flemington	$1,752	14.5%	3.78%	1.72%
64474	Osborn	$1,751	84.2%	12.77%	N/A
65661	Greenfield	$1,749	16.3%	3.53%	1.60%
63940	Fisk	$1,748	44.5%	7.59%	2.53%
64748	Golden City	$1,746	7.1%	1.54%	0.77%
63468	Shelbina	$1,745	14.0%	3.62%	1.67%
64624	Braymer	$1,743	157.1%	7.91%	2.16%
65548	Mountain View	$1,741	105.6%	4.96%	0.68%
65793	Willow Springs	$1,740	20.8%	3.93%	2.41%
63944	Greenville	$1,740	9.0%	2.05%	0.68%
64668	Norborne	$1,737	6.7%	0.93%	0.93%
64659	Meadville	$1,735	25.4%	5.79%	0.83%
64437	Craig	$1,733	54.9%	12.77%	1.42%
64661	Mercer	$1,727	44.0%	5.88%	1.18%
64784	Sheldon	$1,725	135.8%	9.76%	1.63%
65560	Salem	$1,725	41.2%	2.88%	1.44%
65452	Crocker	$1,724	19.6%	2.44%	2.17%
63071	Richwoods	$1,724	11.8%	1.84%	1.23%
65270	Moberly	$1,722	16.5%	3.44%	1.47%
65807	Springfield	$1,722	37.1%	5.54%	1.43%
63822	Bernie	$1,722	10.0%	3.09%	2.41%
63469	Shelbyville	$1,719	60.9%	5.13%	3.42%
63851	Hayti	$1,715	121.9%	8.68%	1.04%
65265	Mexico	$1,715	16.1%	3.35%	1.38%
63857	Kennett	$1,712	42.9%	3.25%	1.55%
65046	Jamestown	$1,707	76.2%	4.40%	1.89%
65276	Pilot Grove	$1,707	38.0%	7.51%	1.16%
65791	Thayer	$1,706	15.9%	3.88%	1.35%
64724	Appleton City	$1,705	106.9%	5.03%	2.01%
63133	Saint Louis	$1,704	48.7%	8.20%	1.61%
64835	Carterville	$1,700	16.5%	4.61%	0.99%
64841	Duenweg	$1,699	48.6%	4.76%	3.70%
63534	Callao	$1,696	241.7%	8.22%	1.37%
63134	Saint Louis	$1,695	40.3%	7.01%	1.31%
65240	Centralia	$1,694	72.6%	2.27%	1.79%
63544	Green Castle	$1,693	N/A	N/A	N/A
63537	Edina	$1,689	7.8%	2.71%	1.81%
63961	Qulin	$1,687	31.5%	8.33%	1.04%
65789	Pomona	$1,686	45.4%	5.02%	0.84%
63373	Portage Des Sioux	$1,684	12.1%	2.27%	2.27%
63452	Lewistown	$1,680	7.0%	1.96%	1.96%
65676	Isabella	$1,677	4.5%	2.04%	N/A
65779	Wheatland	$1,676	11.9%	2.64%	1.44%
65202	Columbia	$1,669	35.2%	4.57%	1.20%
63823	Bertrand	$1,668	15.8%	3.85%	3.85%
65261	Keytesville	$1,668	19.0%	4.85%	0.61%
65682	Lockwood	$1,668	30.9%	4.86%	N/A
63114	Saint Louis	$1,667	46.5%	7.54%	1.17%
65733	Protem	$1,664	2.1%	1.46%	1.46%
63966	Wappapello	$1,659	36.0%	2.99%	1.50%
63954	Neelyville	$1,657	111.3%	5.77%	N/A
63625	Black	$1,655	7.1%	1.11%	3.33%
63863	Malden	$1,655	39.5%	5.24%	2.53%
63139	Saint Louis	$1,654	34.2%	5.50%	1.10%
63036	French Village	$1,653	20.7%	2.63%	0.66%
65806	Springfield	$1,643	30.5%	5.61%	2.69%
65283	Stoutsville	$1,641	44.8%	4.61%	1.97%
63384	Wellsville	$1,640	35.4%	3.51%	1.75%
63964	Silva	$1,634	15.6%	1.49%	1.49%
63829	Cardwell	$1,625	6.6%	2.90%	2.90%
63462	Perry	$1,623	73.0%	12.80%	1.07%
65606	Alton	$1,622	2.3%	2.14%	1.07%
64790	Walker	$1,618	9.5%	2.74%	N/A
63353	Louisiana	$1,617	56.8%	3.42%	1.71%
63123	Saint Louis	$1,615	27.6%	4.63%	0.80%
63556	Milan	$1,614	37.4%	5.73%	1.30%
63074	Saint Ann	$1,602	49.4%	8.66%	1.38%
63933	Campbell	$1,590	23.9%	4.34%	1.73%
65264	Martinsburg	$1,568	11.9%	3.30%	2.20%
63549	La Plata	$1,562	59.8%	2.18%	1.82%
65724	Pittsburg	$1,559	19.5%	3.13%	0.63%
63559	Novinger	$1,559	23.0%	2.31%	3.08%
63876	Senath	$1,533	2.0%	1.56%	2.08%
63125	Saint Louis	$1,532	37.8%	5.75%	0.81%
63633	Centerville	$1,525	21.6%	N/A	1.49%
63447	La Belle	$1,522	9.8%	1.64%	3.28%
63382	Vandalia	$1,515	11.8%	5.02%	0.46%
65077	Steedman	$1,491	5.0%	1.19%	1.19%
63656	Middle Brook	$1,468	6.2%	2.44%	1.22%

Missouri Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Missouri compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Missouri

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Missouri ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

65.9

30th of 50 states by mean score · national mean 69.3

Counties joined

113

Distinct county FIPS on Missouri FIO ZIPs

Most common top hazard

Tornado

47 of 113 counties

Highest FEMA NRI counties in Missouri
County	Risk score	Rating	Top hazard
St. Louis	99.3	Relatively High	Heat Wave
St. Louis	98.7	Relatively High	Heat Wave
Jackson	96.5	Relatively High	Tornado

Counties with elevated FEMA hazard ratings in Missouri
Hazard	Elevated counties	Share of joined
Tornado	9	8%
Winter weather	9	8%
Flooding	4	4%
Hail	4	4%
Earthquake	2	2%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Missouri: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($2,056/yr here).

District of Columbia $1,991/yr Hawaii $2,130/yr Mississippi $1,976/yr North Dakota $1,954/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.60% here).

Kansas 1.64% Virginia 1.67% Idaho 1.50% Georgia 1.47%

Frequently Asked Questions

What is the average homeowners insurance cost in Missouri? ▼

Averaged across the 699 Missouri ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $2,056 ($2,276 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 16% above the national average of $1,776.

How have insurance premiums changed in Missouri? ▼

Missouri homeowners insurance premiums changed by +9.8% between 2018 and 2022. The average loss ratio is 41.0%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Missouri? ▼

The most expensive ZIP code for homeowners insurance in Missouri is 63124, with an average premium of $6,086/yr. The most affordable is 63656 at $1,468/yr.

What is the nonrenewal rate for Missouri homeowners insurance? ▼

Averaged across the Missouri ZIP codes that report one (93% of the state's ZIP codes), the nonrenewal rate is 1.60%. This rate has changed by +39.5% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 63120 has the highest nonrenewal rate in the state at 3.17%.

What is a loss ratio and what does Missouri's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Missouri's average loss ratio is 41.0%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Missouri? ▼

The average claim frequency in Missouri is 5.14%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,762. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Missouri? ▼

Across 113 FEMA National Risk Index counties that join to Missouri ZIP codes in the FIO file, the mean county risk score is 65.9 (5% below the 50-state mean of 69.3). The most common county-level top hazard is Tornado (47 of 113 counties). Elevated (Relatively High or Very High) county ratings concentrate in Tornado (9), Winter weather (9), Flooding (4). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Missouri in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Missouri ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Missouri Homeowners Insurance

How Missouri Compares

Data Snapshot: Missouri Homeowners Insurance

Loss Ratio Reading: Missouri

Premium Trends (2018-2022)

Average premium in Missouri, 2018–2022

Most Expensive ZIP Codes in Missouri

Most Affordable ZIP Codes in Missouri

All ZIP Codes in Missouri

Missouri Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related