HomeInsuranceQts

Home Insurance in Village of Four Seasons, Missouri

The median home value in Village of Four Seasons is $365,400, 20% higher than the Camden County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Village of Four Seasons was built around 1989. About 1% of homes were built before 1960, about 4 points below Camden County's 5%.

Housing in Village of Four Seasons breaks down to 60% single-family homes and 39% apartments in buildings with 5+ units.

In Village of Four Seasons, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Village of Four Seasons has an owner-occupancy rate of 85% and a vacancy rate of 62%; unoccupied homes typically need a different coverage form.

In Village of Four Seasons, 94% 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.

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$365,400
Median year built1989
Owner-occupied share85%
Share of owner-occupied homes with a mortgage66%
Top county hazardInland Flooding (Relatively Moderate)
Active NFIP policies in Camden County319
Home insurance premium$1,589 - statewide average (NAIC, 2023 data)
Key home insurance figures for Village of Four Seasons, MO

Nearby towns

Sources

Data last updated: 2026-09-29