ZIP 63781 Insurance Data

Data Snapshot: ZIP 63781 (Sedgewickville, MO)

ZIP 63781 (Sedgewickville, MO) shows an average homeowners insurance premium of $2,023 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 7 reported policies. That is 14% above the national average of $1,776 per year, placing this ZIP in the 76th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 2% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 63781 is 16.2%, meaning insurers retained a working margin after claims.

Across 5 years (2018–2022), premiums in ZIP 63781 have risen by 6.3%, ranging from $1,792 to $2,109 with a five-year average of $1,961 — an annualized rate of +1.5% 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.