Home Insurance in Macon, Missouri
The median home value in Macon is $151,800, close to the Macon County median.
The typical home in Macon was built around 1970. About 34% of homes were built before 1960, about 1 point above Macon County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Macon, the housing stock is 76% single-family homes, 5% apartments in buildings with 5+ units and 4% 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 Macon, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Macon are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Macon are primarily heated with natural gas.
Macon County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $151,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)