Home Insurance in Kimberling City, Missouri
Homes in Kimberling City carry a median value of $246,500 - close to the Stone County median.
The typical home in Kimberling City was built around 1983. About 1% of homes were built before 1960, about 7 points below Stone County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Kimberling City, the housing stock is 72% single-family homes and 20% apartments in buildings with 5+ units.
50% of owner-occupied homes in Kimberling City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kimberling City has an owner-occupancy rate of 80% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Most homes in Kimberling City - 77% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Stone County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Stone County had 54 active NFIP flood policies as of September 2026. See the full Stone County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $246,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Stone County | 54 |
| 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)