Home Insurance in Jane, Missouri
With a median home value of $214,300, Jane is 39% higher than the McDonald County median.
The typical home in Jane was built around 1988. About 12% of homes were built before 1960, about 6 points below McDonald County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Jane, the housing stock is 56% single-family homes and 32% 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 Jane, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Jane are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Jane are primarily heated with electricity.
FEMA rates McDonald County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). McDonald County had 78 active NFIP flood policies as of September 2026. See the full McDonald 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 | $214,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in McDonald County | 78 |
| 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)