Home Insurance in Branson, Missouri
With a median home value of $251,000, Branson is 15% higher than the Taney County median.
The typical home in Branson was built around 1996. About 4% of homes were built before 1960, about 3 points below Taney County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Branson is 35% single-family homes, 53% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 54% of owner-occupied homes in Branson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Branson has an owner-occupancy rate of 48% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
In Branson, 88% of homes are primarily heated with electricity.
Taney County had 423 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Taney County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $251,000 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Taney County | 423 |
| 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)