ZIP 63656 Insurance Data

Data Snapshot: ZIP 63656 (Middle Brook, MO)

ZIP 63656 (Middle Brook, MO) shows an average homeowners insurance premium of $1,468 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 17% below the national average of $1,776 per year, placing this ZIP in the 44th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 29% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 63656 is 6.2%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.44%, and the average claim severity (amount paid per claim) is $3,736. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.22% in this ZIP, a drop of 24.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 63656 have fallen by 3.3%, ranging from $1,435 to $1,555 with a five-year average of $1,503 — an annualized rate of -0.8% 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.