Home Insurance in Freeburg, Missouri
The median home value in Freeburg is $131,700, 41% lower than the Osage County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Freeburg was built around 1974. About 40% of homes were built before 1960, about 16 points above Osage County's 24%.
The housing stock in Freeburg is 81% single-family homes and 8% 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 Freeburg, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Freeburg has an owner-occupancy rate of 85% and a vacancy rate of 12%; 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. 46% of homes in Freeburg are primarily heated with propane.
Osage County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. 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.
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 | $131,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)