Home Insurance in Chamois, Missouri
The median home value in Chamois is $64,400, 71% lower than the Osage County median.
The typical home in Chamois was built around 1952. About 65% of homes were built before 1960, about 41 points above Osage County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chamois is 86% single-family homes and 4% mobile or manufactured homes.
50% of owner-occupied homes in Chamois carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Chamois are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Chamois, 48% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Chamois? FEMA's National Risk Index points to earthquake (Very Low) in Osage County and Osage County had 44 active NFIP flood policies as of September 2026. See the full Osage County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $64,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Osage County | 44 |
| 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)