ZIP 65355 Insurance Data

Data Snapshot: ZIP 65355 (Warsaw, MO)

ZIP 65355 (Warsaw, MO) shows an average homeowners insurance premium of $1,884 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 17 reported policies. That is 6% above the national average of $1,776 per year, placing this ZIP in the 70th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 8% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 65355 is 38.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.03%, and the average claim severity (amount paid per claim) is $23,612. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.72% in this ZIP, a rise of 62.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 65355 have risen by 14.1%, ranging from $1,650 to $1,884 with a five-year average of $1,768 — an annualized rate of +3.4% 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.