Home Insurance in Centerview, Missouri
The median home value in Centerview is $61,000, 74% lower than the Johnson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Centerview was built around 1982. About 35% of homes were built before 1960, about 17 points above Johnson County's 17%.
The housing stock in Centerview is 57% single-family homes and 31% 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 Centerview, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Centerview are owner-occupied.
In Centerview, 69% of homes are primarily heated with natural gas.
Johnson County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Johnson County had 69 active NFIP flood policies as of September 2026. See the full Johnson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $61,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Johnson County | 69 |
| 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)