Home Insurance in Macon County, Missouri
The median home value in Macon County is $149,100, 35% lower than the Missouri median.
The typical home in Macon County was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 5 points above Missouri's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Macon County is 81% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 47% of owner-occupied homes in Macon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Macon County has an owner-occupancy rate of 77% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Macon County, 38% of homes are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively Moderate), hail (Relatively Low) and earthquake (Very Low) as the leading hazards for Macon County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Macon County had 4 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $149,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)