Home Insurance in Brimson, Missouri
Homes in Brimson carry a median value of $69,000 - 39% lower than the Grundy County median.
The typical home in Brimson was built around 1955. About 69% of homes were built before 1960, about 24 points above Grundy County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Brimson, the housing stock is 100% single-family homes.
In Brimson, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Brimson are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Brimson - 75% - are primarily heated with propane.
Grundy County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Grundy County had 4 active NFIP flood policies as of September 2026. See the full Grundy 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 | $69,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Grundy County | 4 |
| 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)