InsureWatch

64784

High75

Sheldon, Missouri — Vernon County

Pop. 1,233Median Income $45,938Median Home $106,300
0/ 100High Risk

2025 Estimated Premium

$1,958/yr

+13.5% from 2022 actual ($1,725)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,725

+10.1%

2018–2025

Nonrenewal Rate

1.63%

2018–2022

Claim Frequency

9.8%

Avg Claim Amount

$24,009

Score Breakdown

Premium Level (25%)62
Premium Trend (20%)100
Nonrenewal Risk (20%)80
Storm Exposure (15%)79
Affordability (10%)85
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20189 events
Property damage$32,000
2 tornado3 hail
19
201925 events
Property damage$28,000
3 hail5 flood
20
202011 events
Property damage$66,000
4 hail1 flood
21
20212 events
Property damage$0
2 flood
22
20229 events
Property damage$1,000,000
7 hail2 flood
23
202324 events
Property damage$260,000
14 hail
24
202414 events
Property damage$40,000
1 tornado12 flood
25
202523 events
Property damage$1,740,000
2 tornado6 hail5 flood

Nearby ZIP Codes

64767Milo, MO
59Elevated
64759Lamar, MO
70High
64772Nevada, MO
62High
64762Liberal, MO
63High
64790Walker, MO
63High

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.