Home Insurance in Brookfield, Missouri
With a median home value of $102,100, Brookfield is 17% lower than the Linn County median.
The typical home in Brookfield was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 8 points above Linn County's 43%.
Housing in Brookfield breaks down to 87% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 48% of owner-occupied homes in Brookfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Brookfield are owner-occupied.
In Brookfield, 75% of homes are primarily heated with natural gas.
Linn County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Linn County had 4 active NFIP flood policies as of September 2026. See the full Linn 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 | $102,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Linn County | 4 |
| 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)