Home Insurance in Camden, Missouri
With a median home value of $58,800, Camden is 70% lower than the Ray County median.
The typical home in Camden was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 10 points above Ray County's 31%.
In Camden, the housing stock is 96% single-family homes and 2% mobile or manufactured homes.
In Camden, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Camden are owner-occupied.
58% of homes in Camden are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Ray County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Ray County had 78 active NFIP flood policies as of September 2026. See the full Ray 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 | $58,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Ray 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)