ZIP 64671 Insurance Data

Data Snapshot: ZIP 64671 (Polo, MO)

ZIP 64671 (Polo, MO) shows an average homeowners insurance premium of $2,091 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 9 reported policies. That is 18% above the national average of $1,776 per year, placing this ZIP in the 79th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 2% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 64671 is 105.5%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 4.96%, and the average claim severity (amount paid per claim) is $44,477. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.91% in this ZIP, a rise of 89.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 64671 have risen by 7.9%, ranging from $1,849 to $2,097 with a five-year average of $1,975 — an annualized rate of +1.9% 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.