ZIP 66935 Insurance Data

Data Snapshot: ZIP 66935 (Belleville, KS)

ZIP 66935 (Belleville, KS) shows an average homeowners insurance premium of $2,018 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 6 reported policies. That is 14% above the national average of $1,776 per year, placing this ZIP in the 76th percentile nationally. Compared to the Kansas state average of $2,350, this ZIP runs 14% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 66935 is 46.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 7.01%, and the average claim severity (amount paid per claim) is $13,274. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.62% in this ZIP, a rise of 404.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 66935 have risen by 5.3%, ranging from $1,865 to $2,018 with a five-year average of $1,955 — an annualized rate of +1.3% 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.