Home Insurance in Osage Beach, Missouri
Homes in Osage Beach carry a median value of $355,200 - 16% higher than the Camden County median.
The typical home in Osage Beach was built around 1990. About 3% of homes were built before 1960, about 2 points below Camden County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Osage Beach is 39% single-family homes, 54% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Osage Beach, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Osage Beach are owner-occupied. The vacancy rate is 57%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Osage Beach, 87% of homes are primarily heated with electricity.
FEMA rates Camden County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). Camden County had 319 active NFIP flood policies as of September 2026. See the full Camden County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $355,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Camden County | 319 |
| 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)