Home Insurance in Carterville, Missouri
The median home value in Carterville is $97,600, 42% lower than the Jasper County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Carterville was built around 1973. About 35% of homes were built before 1960, about 10 points above Jasper County's 25%.
In Carterville, the housing stock is 90% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Carterville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Carterville are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Carterville, 53% of homes are primarily heated with natural gas.
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 | $97,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)