Homeowners quotes from 25+ companies, side by side, in Concord, MO, from Freedom Insurance Group.
Getting to know Concord, MO
Concord has about 16,421 residents in Missouri.
Concord lies within Missouri, where everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of Missouri, and replacement cost, roof age, and construction type still explain most premium differences from one house to the next.
Missouri homeowners should budget for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Home insurance pricing in Concord, MO
The typical homeowners insurance premium in Concord, 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 Concord dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Concord, 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.
Home insurance coverage basics
- Dwelling (A): This is the limit that pays to rebuild the house itself after a covered loss, and it should track local rebuilding costs today.
- Coverage B, other structures: Protection for structures not attached to the home, for example a fence, shed, or detached garage.
- Personal property (C): Your furniture, clothes, and everyday belongings in the home are protected, though certain valuable items have lower limits.
- Coverage D, loss of use: While a covered loss keeps you out of the home, this helps pay additional living expenses.
- Coverage E, personal liability: Should you be held legally responsible for someone else’s injury or property damage after a covered incident, this part responds.
- Coverage F, medical payments: This helps with guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Savings opportunities for Concord, 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 amounts differ too. “Up to” shows the maximum, not a promise.
What moves home insurance rates in Concord
Several factors determine the price for Concord homeowners, and underwriters look at all of them when they build a quote. Most of the price comes from rebuild cost, roof age and material, and exposure to storms or wildfire; deductible choice and claims history can move the final premium as much as the carrier brand itself.
Replacement cost is a straightforward idea: what would it cost to rebuild this home today, using comparable materials, at current labor and supply prices? Since the carrier’s maximum payout grows with the rebuild estimate, bigger estimates for Concord houses tend to push up premiums.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality all affect how a property fares in wind, hail, and fire scenarios seen across Missouri.
Similar Concord houses with matching rebuild costs may still get different quotes thanks to location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Underwriters grade fire protection using the local protection class and how far away hydrants and stations are; better protection usually means lower pricing.
Claims filed lately on the house or by anyone in the household can raise rates for Concord renewals as well as new policies, because claims history still weighs heavily.
Credit-based insurance score can move the price in states that allow it: carriers that use it tend to price lower when scores are higher.
Home-and-auto bundles in Concord, MO
These illustrate average bundle savings, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Concord, Missouri | $160 | $240 | $340 |
Neighborhoods in Concord
- Berrywick Estates
- Concord Woodland
- Blueberry Hill
- Larkin Acres
- Concord Oaks
- Von Talge Trails
- Southbury Manor
- Cardinal Springs
- Concord Square
- Five Oaks
- Concord Hills
- Assumption Valley
- Southridge Pines
- Concord Park
- Surrey Hill Estates
- Sir Winston Estates
- Timberline Estates
- Villa Knoll
- Ambsdale
- Towne South
Concord homes by the numbers
Concord’s median year built is 1968. About 69% of homes predate 1980, so wiring, plumbing, and roof updates often come up in underwriting.
The NOAA Storm Events Database logged 34 hail reports within about 5 miles of Concord from 2016 through 2025 (32 at one inch or more). Top size was 2 inches in May 2024 near Carondelet.
From 2000 on, St. Louis County has appeared in 15 major disaster declarations; the most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (June 2025).
Census survey estimates (ACS 2020–2024) show about 7,781 housing units in Concord, and owners occupy about 86% of the occupied homes. Of all units, 83% are detached single-family houses and 11% are in buildings with two or more units.
In FEMA’s National Risk Index, St. Louis County rates above the low end for hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”).
Tornado history matters here as well: NOAA logged 8 tornadoes touching down within 10 miles of Concord between 2016 and 2025, the most intense an EF2 during May 2025.
Named places the USGS records in and around Concord include Green Park, Mehlville, and Mattese. Older and newer sections can quote differently because of construction era and roof condition.
Occupied homes in Concord are heated mostly with utility gas (84%) and electricity (14%).
Going further back, the Storm Prediction Center lists 119 hail reports within 5 miles of Concord between 1955 and 2015; the biggest stones, 4.5 inches, fell on May 25, 2011. 10 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 16 tornadoes that began within 10 miles of Concord from 1950 through 2015; the strongest was an EF3 on December 31, 2010. Along its full path, that storm was blamed for 1 death and 6 injuries.
Looking at neighboring communities? Nearby home insurance pages: Green Park (1 mi), Sappington (2 mi), and Mehlville (2 mi).
ZIP codes we cover in and around Concord
63126 · 63123 · 63128 · 63127 · 63125 · 63119
