Home Insurance in Lone Jack, Missouri
The median home value in Lone Jack is $330,100, 43% higher than the Jackson County median.
The typical home in Lone Jack was built around 2006. About 4% of homes were built before 1960, about 32 points below Jackson County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lone Jack, the housing stock is 97% single-family homes and 1% mobile or manufactured homes.
76% of owner-occupied homes in Lone Jack carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 90% of occupied homes in Lone Jack are owner-occupied.
Most homes in Lone Jack - 52% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lone Jack? FEMA's National Risk Index points to tornado (Very High) in Jackson County and 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.
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 | $330,100 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 90% |
| 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
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)