Home Insurance in Pierpont, Missouri
The median home value in Pierpont is $325,000, 19% higher than the Boone County median.
The typical home in Pierpont was built around 1975. About 0% of homes were built before 1960, about 11 points below Boone County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Pierpont breaks down to 100% single-family homes.
In Pierpont, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Pierpont are owner-occupied.
In Pierpont, 40% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Boone County's overall risk as Relatively Moderate, led by tornado (Relatively High). Boone County had 150 active NFIP flood policies as of September 2026. See the full Boone County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $325,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Boone County | 150 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)