Home Insurance in Oak Grove, Missouri
The median home value in Oak Grove is $215,500, 7% lower than the Jackson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Oak Grove was built around 1987. About 10% of homes were built before 1960, about 26 points below Jackson County's 36%.
Housing in Oak Grove breaks down to 81% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
73% of owner-occupied homes in Oak Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oak Grove has an owner-occupancy rate of 60% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
59% of homes in Oak Grove are primarily heated with natural gas.
FEMA rates Jackson County's overall risk as Relatively High, led by tornado (Very High). 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 | $215,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)