Home Insurance in Brunswick, Missouri
The median home value in Brunswick is $76,100, 53% lower than the Chariton County median.
The typical home in Brunswick was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 59% of homes were built before 1960, about 19 points above Chariton County's 40%.
The housing stock in Brunswick is 76% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Brunswick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brunswick has an owner-occupancy rate of 71% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Brunswick - 51% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Chariton County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Chariton County had 21 active NFIP flood policies as of September 2026. See the full Chariton 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 | $76,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Chariton County | 21 |
| 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)