ZIP 64074 Insurance Data

Data Snapshot: ZIP 64074 (Napoleon, MO)

ZIP 64074 (Napoleon, MO) shows an average homeowners insurance premium of $2,146 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 11 reported policies. That is 21% above the national average of $1,776 per year, placing this ZIP in the 80th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 4% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 64074 is 3.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.04%, and the average claim severity (amount paid per claim) is $8,052.

Across 5 years (2018–2022), premiums in ZIP 64074 have risen by 5.7%, ranging from $1,971 to $2,172 with a five-year average of $2,092 — an annualized rate of +1.4% 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.