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About Fredericktown, MO
Fredericktown has around 4,076 residents and lies within Madison County.
Fredericktown is located in the Madison County area, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Madison County area, and replacement cost, roof age, and construction type still explain most premium differences from street to street.
Tornadoes and severe thunderstorms are part of planning for Missouri homeowners, plus occasional flooding near rivers and creeks.
Average home insurance cost in Fredericktown
The typical homeowners insurance premium in Fredericktown, 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 41% lower — near $1,104 per year for a typical home, roughly $1,299 for a $300,000 home, about $1,827 for a $600,000 home, and around $2,378 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 Fredericktown dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Fredericktown, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
The six parts of a home policy
- Dwelling (Coverage A): Rebuilding funds for the home itself after a covered loss. It should keep pace with current local construction costs.
- Other structures (B): Coverage for buildings set apart from the house, for example a fence, shed, or detached garage.
- Personal property (Coverage C): Belongings such as furniture and clothing indoors are protected, but certain valuable items have lower limits.
- Loss of use (Coverage D): This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (E): This applies when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Medical payments (F): For guests injured on your property, this can pay medical bills, often without a formal liability claim.
Common discounts for Fredericktown, 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 guarantee.
Home insurance price factors in Fredericktown
A handful of connected factors go into what Fredericktown homeowners pay, and carriers weigh them as a set when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Rebuilding the home in comparable materials at today’s labor and supply prices is what replacement cost measures. Since the carrier’s largest possible payout rises with the rebuild estimate, bigger estimates for Fredericktown homes tend to push up premiums.
Construction type and roof details count as well: frame versus masonry walls, the roof covering, and overall build quality all affect how a property fares in wind, hail, and fire scenarios that are common across Missouri.
Location risk reflects storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Fredericktown, so two homes with similar rebuild costs can still get different prices.
Fire protection looks at hydrant and fire-station distance along with local protection class, and better protection ratings may earn sharper pricing.
A recent claim on the property or by the household may lift the price on Fredericktown renewals and new quotes alike, since claims history is a big rating factor.
If state law permits, companies can use a credit-based insurance score, and a higher score tends to bring lower premiums.
Fredericktown housing stock and storm history
The National Risk Index from FEMA shows elevated ratings for strong-wind (“Relatively Moderate”) in Madison County.
Named communities and subdivisions in USGS place-name records near Fredericktown include Junction City, Catherine Place, and Cobalt Village. Each area can price differently because of construction era and roof condition.
For heat, Fredericktown households mostly rely on electricity (53%) and utility gas (45%).
The NOAA Storm Events Database logged 1 hail report within about 5 miles of Fredericktown from 2016 through 2025; it measured at least an inch. The largest was 2.25 inches in April 2022 around Millcreek.
Tornado history matters here as well: NOAA logged 3 tornadoes touching down within 10 miles of Fredericktown in 2016–2025, with the strongest at EF3 in October 2021.
Fredericktown’s median year built is 1970. Roughly 66% of homes predate 1980, so wiring, plumbing, and roof updates are worth documenting for a quote.
From 2000 on, Madison County has appeared in 16 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, and Flooding (September 2026).
The Census Bureau’s 2020–2024 American Community Survey counts about 2,056 housing units in Fredericktown, and owners occupy close to 60% of the occupied homes. Looking at building types, 72% are detached single-family houses, 17% are in buildings with two or more units, and 5.0% are mobile homes.
Fredericktown was incorporated in 1827. Census counts put Fredericktown at 3,928 residents in 2000 and 3,985 in 2010, and the Census Bureau’s July 2024 estimate is 4,581. That works out to about 17% more residents than in 2000.
Going further back, SPC data show 19 hail reports within 5 miles of Fredericktown between 1955 and 2015, topped by hail of 1.75 inches on May 10, 1993. NOAA Storm Prediction Center records list 18 tornadoes that began within 10 miles of Fredericktown from 1950 through 2015; the most powerful, rated F2, touched down on December 18, 1957. Along its full path, that storm was blamed for 1 death and 1 injury.
Shopping around the area? We also have home insurance pages for Farmington (17 mi), Park Hills (21 mi), and Desloge (25 mi).
ZIP codes we serve in and around Fredericktown
63645
Fredericktown, MO bundling home and auto
Illustrated average bundle savings, not guaranteed. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Fredericktown, Missouri | $160 | $240 | $340 |
Browse Missouri coverage options
Request home insurance quotes in Fredericktown, MO
For Fredericktown residents, Freedom Insurance Group compares 25+ carriers. Phone (800) 253-1482 or start a free home quote online.
