ZIP 63061 Insurance Data

Data Snapshot: ZIP 63061 (Luebbering, MO)

ZIP 63061 (Luebbering, MO) shows an average homeowners insurance premium of $2,121 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 17 reported policies. That is 19% above the national average of $1,776 per year, placing this ZIP in the 80th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 3% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 63061 is 91.8%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 3.70%, and the average claim severity (amount paid per claim) is $52,596.

Across 5 years (2018–2022), premiums in ZIP 63061 have risen by 19.3%, ranging from $1,730 to $2,121 with a five-year average of $1,871 — an annualized rate of +4.5% 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.