Home Insurance in Jonesburg, Missouri
The median home value in Jonesburg is $174,200, close to the Montgomery County median.
The typical home in Jonesburg was built around 1978. About 13% of homes were built before 1960, about 13 points below Montgomery County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Jonesburg is 67% single-family homes, 1% apartments in buildings with 5+ units and 12% 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.
About 53% of owner-occupied homes in Jonesburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jonesburg has an owner-occupancy rate of 46% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Jonesburg, 50% of homes are primarily heated with electricity.
FEMA rates Montgomery County's overall risk as Very Low, led by earthquake (Relatively Low). Montgomery County had 7 active NFIP flood policies as of September 2026. See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $174,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Montgomery County | 7 |
| 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)