Home Insurance in Elmer, Missouri
Homes in Elmer carry a median value of $45,000 - 70% lower than the Macon County median.
The typical home in Elmer was built around 1943. About 73% of homes were built before 1960, about 40 points above Macon County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Elmer, the housing stock is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Elmer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elmer has an owner-occupancy rate of 100% and a vacancy rate of 47%; unoccupied homes typically need a different coverage form.
Most homes in Elmer - 69% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Macon County's overall risk as Very Low, led by tornado (Relatively Moderate). Macon County had 4 active NFIP flood policies as of September 2026. See the full Macon 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 | $45,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Macon 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)