65608

High74

Ava, Missouri — Douglas County

Pop. 8,389Median Income $47,561Median Home $130,400

2025 Estimated Premium

$2,345/yr

+16.6% from 2022 actual ($2,011)

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

Avg Premium (2022)

$2,011

+6.0%

2018–2025

Nonrenewal Rate

1.62%

2018–2022

Claim Frequency

3.7%

Avg Claim Amount

$19,569

Score Breakdown

Premium Level (25%)76

Premium Trend (20%)80

Nonrenewal Risk (20%)80

Storm Exposure (15%)73

Affordability (10%)90

Flood Risk (10%)30

Storm History (5-Year Timeline)

201855 events

Property damage$92,000

1 tornado17 hail17 flood

201956 events1 fatalities

Property damage$147,000

6 tornado4 hail25 flood

202054 events

Property damage$68,000

2 hail41 flood

202151 events

Property damage$427,000

1 tornado4 hail34 flood

202245 events

Property damage$12,500

13 hail24 flood

202348 events

Property damage$108,000

9 hail18 flood

202459 events

Property damage$13,054,500

4 tornado13 hail29 flood

202537 events

Property damage$220,000

1 tornado11 hail14 flood

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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.