ZIP 65722 Insurance Data

Data Snapshot: ZIP 65722 (Phillipsburg, MO)

ZIP 65722 (Phillipsburg, MO) shows an average homeowners insurance premium of $1,931 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 13 reported policies. That is 9% above the national average of $1,776 per year, placing this ZIP in the 73th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 6% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 65722 is 15.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.00%, and the average claim severity (amount paid per claim) is $7,531.

Across 5 years (2018–2022), premiums in ZIP 65722 have risen by 4.5%, ranging from $1,774 to $2,022 with a five-year average of $1,875 — an annualized rate of +1.1% 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.