Home Insurance in South Gifford, Missouri
The typical home in South Gifford was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 13 points above Macon County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in South Gifford is 92% single-family homes and 8% mobile or manufactured homes.
Almost no owner-occupied homes in South Gifford carry a mortgage.
South Gifford has an owner-occupancy rate of 100% and a vacancy rate of 38%; 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. 50% of homes in South Gifford are primarily heated with wood.
What's the biggest home insurance risk near South Gifford? FEMA's National Risk Index points to tornado (Relatively Moderate) in Macon County and 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 year built | 1961 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)