2022 FIO public ZIP benchmark
2022 Home Insurance Costs in Missouri
In Missouri, the unweighted average homeowners premium was $2,055 across 701 public ZIP rows in the 2022 FIO public ZIP benchmark. That was 15.7% above the $1,776 national public-ZIP average. This is not a current quote or an official policy-weighted statewide rate.
This unweighted public-data benchmark is not a current quote, underwriting decision, filing, or official policy-weighted statewide rate. Compare equivalent coverage with current personalized quotes.
Missouri headline figures
- Average premium
- $2,055
- 2018–2022 change
- +10.0%
- Average nonrenewal
- 1.5%
- Public ZIP rows
- 701
unweighted 2022 public ZIP-row average
among rows with a disclosed 2018 baseline
unweighted 2022 public ZIP-row average
rows meeting FIO disclosure thresholds
Missouri compared with the national public-ZIP benchmark
The Missouri average was 15.7% above the national public-ZIP average. Both figures use the same unweighted public ZIP-row method; they are descriptive benchmarks, not a score or rank.
| Geography | Public ZIP rows | Avg premium | 2018–2022 change | Loss ratio | Nonrenewal |
|---|---|---|---|---|---|
| Missouri | 701 | $2,055 | +10.0% | 40.7% | 1.5% |
| United States public-ZIP benchmark | 25,593 | $1,776 | +6.9% | 57.3% | 1.0% |
What this benchmark can and cannot tell you
This page summarizes publicly released ZIP rows to provide a consistent geographic comparison. It can show how the available Missourirows compare with the same national dataset, but it cannot estimate a household's current price or prove why a carrier renewed or declined a policy.
- The premium, loss-ratio, and nonrenewal point estimates are 2022 FIO public ZIP benchmarks; only the change metric spans 2018–2022.
- The averages give each published ZIP row equal weight. They are not official policy-weighted statewide averages.
- ZIP rows are present only where the public FIO release met disclosure thresholds.
- The FIO public metrics exclude flood insurance, residual market plans, excess and surplus lines, and reinsurance.
- The release covers 2018-2022 and does not include 2023 or 2024 market changes.
Continue comparing coverage costs
- National Home cost hub$1,776 public-ZIP avg
- Missouri flood costsJune 2026 NFIP transactions
- ZIP pressure plannerAdd flood and hazard context
Nearby or regional comparison jurisdictions
Source and methodology
Source: Treasury FIO Homeowners Insurance ZIP Metrics Snapshot. Observation period: 2018-2022. Latest observation: 2022. Snapshot generated 2026-07-20.
OOSTN groups the public ZIP rows by jurisdiction and calculates simple arithmetic means. Raw ZIP-level files are not redistributed from this page, and missing or suppressed records are not treated as zero.
Review the append-only data history · Compare all jurisdictions