Home Insurance in Jefferson City, Missouri
Homes in Jefferson City carry a median value of $218,700 - close to the Cole County median.
The typical home in Jefferson City was built around 1978. About 24% of homes were built before 1960, about 4 points above Cole County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Jefferson City, the housing stock is 65% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
59% of owner-occupied homes in Jefferson City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Jefferson City are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jefferson City, 58% of homes are primarily heated with electricity.
FEMA rates Cole County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Cole County had 114 active NFIP flood policies as of September 2026. See the full Cole 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 | $218,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cole County | 114 |
| 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)