InsureWatch

65463

High65

Camdenton, Missouri — Laclede County

Pop. 1,263Median Income $64,063Median Home $128,800
0/ 100High Risk

2025 Estimated Premium

$2,409/yr

+18.1% from 2022 actual ($2,039)

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

Avg Premium (2022)

$2,039

+4.5%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

0.0%

Avg Claim Amount

$0

Score Breakdown

Premium Level (25%)77
Premium Trend (20%)72
Nonrenewal Risk (20%)50
Storm Exposure (15%)71
Affordability (10%)76
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201814 events
Property damage$50,000
2 hail8 flood
19
201915 events
Property damage$255,000
1 tornado4 hail3 flood
20
202026 events1 fatalities
Property damage$150,000
3 hail13 flood
21
202111 events
Property damage$77,000
8 flood
22
202214 events
Property damage$26,000
3 hail6 flood
23
202325 events
Property damage$695,000
10 hail8 flood
24
202417 events
Property damage$270,000
3 tornado5 hail2 flood
25
202520 events
Property damage$272,000
1 tornado4 hail13 flood

Nearby ZIP Codes

65764Macks Creek, MO
70High
65020Camdenton, MO
70High
65786Macks Creek, MO
71High
65536Lebanon, MO
65High
65567Stoutland, MO
54Elevated

Compare home insurance quotes in Camdenton, MO

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Camdenton, MO? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Camdenton, MO.

Compare this ZIP

See how 65463 stacks up against another ZIP code or city.

Compare Now

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.