Home Insurance in Jerico Springs, Missouri
With a median home value of $58,500, Jerico Springs is 65% lower than the Cedar County median.
The typical home in Jerico Springs was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 27 points above Cedar County's 20%.
In Jerico Springs, the housing stock is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Jerico Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Jerico Springs are owner-occupied.
In Jerico Springs, 64% of homes are primarily heated with natural gas.
Cedar County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Cedar County had 2 active NFIP flood policies as of September 2026. See the full Cedar County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $58,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Cedar County | 2 |
| 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)