ZIP 63108 Insurance Data

Data Snapshot: ZIP 63108 (Saint Louis, MO)

ZIP 63108 (Saint Louis, MO) shows an average homeowners insurance premium of $4,436 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3,717 reported policies. That is 150% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 116% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 63108 is 61.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 11.00%, and the average claim severity (amount paid per claim) is $24,646. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.69% in this ZIP, a rise of 13.2% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 63108 have fallen by 2.1%, ranging from $4,374 to $4,530 with a five-year average of $4,455 — an annualized rate of -0.5% 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.