Home Insurance in Jackson, Missouri
With a median home value of $240,000, Jackson is 9% higher than the Cape Girardeau County median.
The typical home in Jackson was built around 1991. About 14% of homes were built before 1960, about 6 points below Cape Girardeau County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Jackson, the housing stock is 79% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Jackson, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Jackson are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Jackson - 58% - are primarily heated with natural gas.
Cape Girardeau County had 101 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Cape Girardeau County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $240,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Cape Girardeau County | 101 |
| 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)