Home Insurance in Sunrise Beach, Missouri
The median home value in Sunrise Beach is $207,100, 32% lower than the Camden County median.
The typical home in Sunrise Beach was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 13 points above Camden County's 5%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sunrise Beach is 82% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
37% of owner-occupied homes in Sunrise Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Sunrise Beach are owner-occupied. The vacancy rate is 67%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sunrise Beach - 80% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Camden County had 319 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
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 | $207,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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
- Laurie
- Village of Four Seasons
- Friedenswald
- Osage Beach
- Lake Ozark
- Linn Creek
- Gravois Mills
- Camdenton
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)