Home Insurance in Birmingham, Missouri
With a median home value of $134,900, Birmingham is 51% lower than the Clay County median.
The typical home in Birmingham was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 59% of homes were built before 1960, about 41 points above Clay County's 18%.
In Birmingham, the housing stock is 100% single-family homes.
About 41% of owner-occupied homes in Birmingham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Birmingham has an owner-occupancy rate of 80% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Birmingham, 85% of homes are primarily heated with natural gas.
Clay County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Clay County had 328 active NFIP flood policies as of September 2026. See the full Clay County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $134,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Clay County | 328 |
| 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)