ZIP 63436 Insurance Data

Data Snapshot: ZIP 63436 (Center, MO)

ZIP 63436 (Center, MO) shows an average homeowners insurance premium of $1,760 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 5 reported policies. That is 1% below the national average of $1,776 per year, placing this ZIP in the 64th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 14% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 63436 is 20.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.69%, and the average claim severity (amount paid per claim) is $7,568. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.94% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 63436 have risen by 22.4%, ranging from $1,438 to $1,760 with a five-year average of $1,623 — an annualized rate of +5.2% 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.