Home Insurance in Independence, Missouri
The median home value in Independence is $172,900, 25% lower than the Jackson County median.
The typical home in Independence was built around 1967. About 36% of homes were built before 1960, in line with Jackson County (36%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Independence is 76% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
59% of owner-occupied homes in Independence carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Independence has an owner-occupancy rate of 61% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Independence, 77% of homes are primarily heated with natural gas.
Jackson County had 888 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Jackson County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $172,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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
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)