Home Insurance in Carl Junction, Missouri
Homes in Carl Junction carry a median value of $218,300 - 31% higher than the Jasper County median.
The typical home in Carl Junction was built around 1997. About 7% of homes were built before 1960, about 18 points below Jasper County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Carl Junction, the housing stock is 92% single-family homes.
About 76% of owner-occupied homes in Carl Junction have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Carl Junction are owner-occupied.
53% of homes in Carl Junction are primarily heated with electricity.
Jasper County had 139 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Jasper 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 | $218,300 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Jasper County | 139 |
| 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)