Home Insurance in Braymer, Missouri
Homes in Braymer carry a median value of $82,400 - 51% lower than the Caldwell County median.
The typical home in Braymer was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 56% of homes were built before 1960, about 22 points above Caldwell County's 34%.
In Braymer, the housing stock is 81% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Braymer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Braymer has an owner-occupancy rate of 75% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
60% of homes in Braymer are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Caldwell County's overall risk as Very Low, led by wildfire (Very Low). Caldwell County had 1 active NFIP flood policy as of September 2026. See the full Caldwell County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $82,400 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Caldwell County | 1 |
| 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)