Home Insurance in Fremont Hills, Missouri
Homes in Fremont Hills carry a median value of $461,800 - 68% higher than the Christian County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fremont Hills was built around 2005. About 0% of homes were built before 1960, about 7 points below Christian County's 7%.
In Fremont Hills, the housing stock is 97% single-family homes.
In Fremont Hills, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fremont Hills has an owner-occupancy rate of 98% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Fremont Hills - 64% - 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.
FEMA rates Christian County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Christian County had 85 active NFIP flood policies as of September 2026. See the full Christian County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $461,800 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Christian County | 85 |
| 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)