Home Insurance in Jasper, Missouri
Homes in Jasper carry a median value of $126,200 - 24% lower than the Jasper County median.
The typical home in Jasper was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, about 5 points above Jasper County's 25%.
The housing stock in Jasper is 76% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jasper, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jasper has an owner-occupancy rate of 78% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Jasper, 61% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jasper? FEMA's National Risk Index points to tornado (Relatively High) in Jasper County and Jasper County had 139 active NFIP flood policies as of September 2026. 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 | $126,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)