ZIP 65646 Insurance Data

Data Snapshot: ZIP 65646 (Everton, MO)

ZIP 65646 (Everton, MO) shows an average homeowners insurance premium of $2,085 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 7 reported policies. That is 17% above the national average of $1,776 per year, placing this ZIP in the 78th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 1% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 65646 is 168.3%, 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 5.11%, and the average claim severity (amount paid per claim) is $68,625. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.27% in this ZIP, a rise of 6.1% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 65646 have risen by 9.0%, ranging from $1,842 to $2,085 with a five-year average of $1,966 — an annualized rate of +2.2% 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.