Home Insurance in Neck City, Missouri
Homes in Neck City carry a median value of $97,400 - 42% lower than the Jasper County median.
The typical home in Neck City was built around 1999. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 16 points below Jasper County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Neck City is 69% single-family homes and 31% mobile or manufactured homes.
61% of owner-occupied homes in Neck City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Neck City are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Neck City - 59% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jasper County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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 | $97,400 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)