Home Insurance in Kimmswick, Missouri
With a median home value of $226,800, Kimmswick is close to the Jefferson County median.
The typical home in Kimmswick was built around 1947. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 37 points above Jefferson County's 15%.
The housing stock in Kimmswick is 90% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 27% of owner-occupied homes in Kimmswick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Kimmswick are owner-occupied.
92% of homes in Kimmswick are primarily heated with electricity.
What's the biggest home insurance risk near Kimmswick? FEMA's National Risk Index points to strong wind (Very High) in Jefferson County and Jefferson County had 679 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $226,800 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Jefferson County | 679 |
| 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)