Home Insurance in Ozark, Missouri
Homes in Ozark carry a median value of $254,800 - 7% lower than the Christian County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ozark was built around 2002. About 3% of homes were built before 1960, about 3 points below Christian County's 7%.
The housing stock in Ozark is 77% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Ozark have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Ozark are owner-occupied.
55% of homes in Ozark are primarily heated with natural gas.
What's the biggest home insurance risk near Ozark? FEMA's National Risk Index points to tornado (Relatively Moderate) in Christian County and 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.
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 | $254,800 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)