ZIP 63146 Insurance Data

Data Snapshot: ZIP 63146 (Saint Louis, MO)

ZIP 63146 (Saint Louis, MO) shows an average homeowners insurance premium of $2,076 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 810 reported policies. That is 17% above the national average of $1,776 per year, placing this ZIP in the 78th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 1% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 63146 is 60.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 10.36%, and the average claim severity (amount paid per claim) is $12,118. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.11% in this ZIP, a rise of 21.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 63146 have risen by 1.8%, ranging from $2,032 to $2,076 with a five-year average of $2,053 — 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.