Home Insurance in Breckenridge, Missouri
The typical home in Breckenridge was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 14 points above Caldwell County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Breckenridge is 65% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
18% of owner-occupied homes in Breckenridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Breckenridge has an owner-occupancy rate of 54% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Breckenridge - 62% - are primarily heated with electricity. Homes heated with propane and wood 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 year built | 1962 |
|---|---|
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)