ZIP 65612 Insurance Data

Data Snapshot: ZIP 65612 (Bois D Arc, MO)

ZIP 65612 (Bois D Arc, MO) shows an average homeowners insurance premium of $2,322 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 14 reported policies. That is 31% above the national average of $1,776 per year, placing this ZIP in the 85th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 13% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 65612 is 36.8%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.35%, and the average claim severity (amount paid per claim) is $15,966. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 3.70% in this ZIP, a rise of 165.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 65612 have risen by 17.2%, ranging from $1,981 to $2,322 with a five-year average of $2,111 — an annualized rate of +4.0% 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.