ZIP 63048 Insurance Data

Data Snapshot: ZIP 63048 (Herculaneum, MO)

ZIP 63048 (Herculaneum, MO) shows an average homeowners insurance premium of $1,867 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 380 reported policies. That is 5% above the national average of $1,776 per year, placing this ZIP in the 70th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 9% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 63048 is 21.7%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.62%, and the average claim severity (amount paid per claim) is $8,757. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.13% in this ZIP, a drop of 7.1% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 63048 have risen by 3.9%, ranging from $1,783 to $1,867 with a five-year average of $1,815 — an annualized rate of +1.0% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.