Home Insurance in Freistatt, Missouri
With a median home value of $116,000, Freistatt is 34% lower than the Lawrence County median.
The typical home in Freistatt was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 71% of homes were built before 1960, about 44 points above Lawrence County's 27%.
The housing stock in Freistatt is 87% single-family homes. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Freistatt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Freistatt are owner-occupied.
81% of homes in Freistatt are primarily heated with natural gas.
Lawrence County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Lawrence County had 56 active NFIP flood policies as of September 2026. See the full Lawrence 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 | $116,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lawrence County | 56 |
| 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)