Home Insurance in Jameson, Missouri
The median home value in Jameson is $37,300, 77% lower than the Daviess County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jameson was built around 1959. About 51% of homes were built before 1960, about 21 points above Daviess County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jameson is 70% single-family homes and 30% mobile or manufactured homes.
52% of owner-occupied homes in Jameson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jameson has an owner-occupancy rate of 100% and a vacancy rate of 52%; unoccupied homes typically need a different coverage form.
In Jameson, 72% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Daviess County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Daviess County has no active NFIP flood policies on file. See the full Daviess 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 | $37,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Low) |
| 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)