Home Insurance in Peaceful Village, Missouri
The median home value in Peaceful Village is $260,000, 10% higher than the Jefferson County median.
The typical home in Peaceful Village was built around 2007. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 1 point above Jefferson County's 15%.
The housing stock in Peaceful Village is 63% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Peaceful Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 45% of occupied homes in Peaceful Village are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
95% of homes in Peaceful Village are primarily heated with electricity.
Jefferson County had 679 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Jefferson 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 | $260,000 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)