Home Insurance in Deerfield, Missouri
Homes in Deerfield carry a median value of $113,900 - 28% lower than the Vernon County median.
The typical home in Deerfield was built around 1959. About 52% of homes were built before 1960, about 18 points above Vernon County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Deerfield is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Deerfield, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 96% of occupied homes in Deerfield are owner-occupied.
Most homes in Deerfield - 52% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Vernon County's overall risk as Relatively Low, led by hail (Relatively Low). Vernon County had 9 active NFIP flood policies as of September 2026. See the full Vernon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $113,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Vernon County | 9 |
| 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)