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Carrollton, MO: what is distinctive here
Roughly 3,638 people live in Carrollton, located in Carroll County.
Carrollton lies within the Carroll County area, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses typical of the Carroll County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
Tornado and severe-thunderstorm exposure are part of planning for Missouri homeowners, plus occasional flooding near rivers and creeks.
Average home insurance cost in Carrollton
The typical homeowners insurance premium in Carrollton, MO is about $1,872 annually for a typical local home (typical local home value about $230,000). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 37% lower — near $1,179 per year for a typical home, roughly $1,387 for a $300,000 home, about $1,951 for a $600,000 home, and around $2,539 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Carrollton dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Carrollton, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (Coverage A): After a covered loss, this limit pays to rebuild your home’s structure; keep it in line with what rebuilding costs in your area today.
- Coverage B, other structures: This part protects detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Valuables like jewelry often carry sublimits.
- Coverage D, loss of use: While a covered loss keeps you out of the home, this helps pay the extra living costs.
- Personal liability (Coverage E): It pays when you are legally on the hook for another person’s injury or property damage arising from a covered event.
- Medical payments (Coverage F): If a visitor is injured at your home, it helps with their medical bills, frequently with no formal liability claim.
Discounts for Carrollton, MO homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Carriers do not all offer the same discounts, and sizes vary. “Up to” marks the top of the range, not a promise.
Premium drivers for homeowners in Carrollton
Carrollton homeowners are priced on several connected factors that underwriters weigh when they build a quote. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, while rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Replacement cost is the amount needed to rebuild the home with like-kind materials at today’s labor and supply prices. Bigger rebuild figures for Carrollton properties tend to raise premiums since the carrier’s maximum payout grows with that figure.
Frame or masonry walls, the roof covering, and general construction quality all shape how a house performs in Missouri’s wind, hail, and fire events, so construction type and roof details carry weight.
Storm, hail, wildfire, and crime scores drive location risk, and they can shift by ZIP code and neighborhood in Carrollton, so homes with similar rebuild costs can still get different prices.
Carriers rate fire protection by protection class plus how far away hydrants and stations are; better protection often brings a more competitive price.
Claims filed lately on the house or by anyone in the household can raise rates whether a Carrollton policy is renewing or new, because claims history remains a major rating input.
Certain companies look at a credit-based insurance score where the state allows; the stronger the score, the lower the premium tends to be.
Housing and weather facts for Carrollton
Home heating in Carrollton runs mainly on utility gas (75%), electricity (18%), and propane or other bottled gas (3.5%). Propane tanks and wood stoves are items underwriters ask about, since some carriers price or inspect them.
Since 2000, Carroll County has appeared in 14 major disaster declarations; the latest is Severe Storms, Tornadoes, and Flooding (June 2026).
The Census Bureau’s 2020–2024 American Community Survey counts about 1,543 housing units in Carrollton, and owners occupy about 57% of the occupied homes. By structure type, 84% are detached single-family houses, 12% are in buildings with two or more units, and 4.1% are mobile homes.
NOAA storm records show 2 hail reports within about 5 miles of Carrollton from 2016 through 2025, 2 of them one inch or larger. Top size was 1 inch in April 2019 around Carrollton.
The median home in Carrollton was built in 1962. Roughly 85% of homes were built before 1980, so system and roof updates often come up in underwriting.
On tornadoes, NOAA recorded 1 tornado starting within 10 miles of Carrollton over 2016–2025, the most intense an EF0 during March 2017.
Carrollton traces its official start to 1833. Carrollton’s population went from 4,122 at the 2000 Census to 3,784 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 3,491. The town has about 15% fewer people than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 37 hail reports within 5 miles of Carrollton between 1955 and 2015, the largest 2.75 inches on May 7, 2009. 3 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 9 tornadoes that began within 10 miles of Carrollton from 1950 through 2015; the strongest was an F2 on April 8, 1999.
Shopping around the area? Nearby home insurance pages: Marshall (23 mi), Lexington (24 mi), and Higginsville (24 mi).
Where we write coverage around Carrollton
64633
Bundling home and auto in Carrollton, MO
Average bundle savings, illustrated, not a guaranteed quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Carrollton, Missouri | $160 | $240 | $340 |
Related Missouri coverage resources
Get home insurance quotes in Carrollton, MO
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