ZIP Code 64074 — Napoleon city, MO Demographics & Data

ZIP code 64074 covers Napoleon, MO in Lafayette County with a population of about 498.

At a glance, the area shows median age of 53.9 versus a U.S. median of about 38.9.

It sits in telephone area code 816; U.S. House district MO-4; the KANSAS CITY media market.

Median household income in ZIP 64074 is about $106,500 — about 42% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 2.5%; 28.4% of adults with a bachelor’s degree or higher (about 5.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Transportation, and Retail trade; about 5.0% of workers reporting work-from-home (about 10.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $235,000 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $433 (about 63% below the U.S. median rent ($1,163)), and owner-occupancy near 86.2% (about 20.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64074 in Napoleon, MO, a household would need roughly $65,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,510. That sits below the local median household income ($106,500), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Napoleon city, MO as Relatively Low (composite score 52.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (44.3) and wildfire (34.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Napoleon city, MO show little to no average snow and around 42.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 23 for ZIP 64074 (Napoleon city, MO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.