Home Insurance in Flemington, Missouri
Homes in Flemington carry a median value of $135,400 - 34% lower than the Polk County median.
The typical home in Flemington was built around 1979. About 32% of homes were built before 1960, about 15 points above Polk County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Flemington is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Flemington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Flemington are owner-occupied.
44% of homes in Flemington are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Polk County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Polk County had 7 active NFIP flood policies as of September 2026. See the full Polk 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 home value | $135,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Polk 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)