Home Insurance in Greenwood, Missouri
The median home value in Greenwood is $286,100, 24% higher than the Jackson County median.
The typical home in Greenwood was built around 1995. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 34 points below Jackson County's 36%.
Housing in Greenwood breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 76% of owner-occupied homes in Greenwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Greenwood are owner-occupied.
72% of homes in Greenwood are primarily heated with natural gas.
Jackson County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Jackson County had 888 active NFIP flood policies as of September 2026. See the full Jackson 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 | $286,100 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Jackson County | 888 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
- Lake Winnebago
- Pleasant Hill
- Baldwin Park
- Lake Lotawana
- Lee's Summit
- Raymore
- Lone Jack
- Unity Village
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)