Home Insurance in Joplin, Missouri
With a median home value of $168,300, Joplin is close to the Jasper County median.
The typical home in Joplin was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, about 4 points above Jasper County's 25%.
In Joplin, the housing stock is 73% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
57% of owner-occupied homes in Joplin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in Joplin are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Joplin - 54% - 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 | $168,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
- Dennis Acres
- Duquesne
- Shoal Creek Drive
- Leawood
- Grand Falls Plaza
- Cliff Village
- Saginaw
- Redings Mill
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)