ZIP 65081 Insurance Data

Data Snapshot: ZIP 65081 (Tipton, MO)

ZIP 65081 (Tipton, MO) shows an average homeowners insurance premium of $2,128 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 23 reported policies. That is 20% 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 65081 is 98.2%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 15.23%, and the average claim severity (amount paid per claim) is $13,721. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.82% in this ZIP, a drop of 18.9% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 65081 have risen by 20.3%, ranging from $1,733 to $2,128 with a five-year average of $1,874 — an annualized rate of +4.7% 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.