Freedom Insurance Group helps Camdenton households compare homeowners coverage without wasted time. Call (800) 253-1482 or ask for a quote online.
Home insurance rates in Camdenton, MO
| Scenario | Market estimate | Freedom Insurance Group example (42% less) |
|---|---|---|
| Typical Camdenton home (~$230,000) | $1,872/yr | $1,086/yr |
| $300,000 dwelling | $2,201/yr | $1,277/yr |
| $600,000 dwelling | $3,097/yr | $1,796/yr |
| $1,000,000 dwelling | $4,030/yr | $2,337/yr |
The typical homeowners insurance premium in Camdenton, 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 42% lower — near $1,086 per year for a typical home, roughly $1,277 for a $300,000 home, about $1,796 for a $600,000 home, and around $2,337 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 Camdenton dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Camdenton, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How Camdenton home insurance premiums differ
Pricing for a Camdenton home rests on several interlocking factors underwriters weigh together. Most of the price comes from rebuild cost, roof age and material, and exposure to storms or wildfire; your deductible and claims record can swing the final premium as much as the company you choose.
Rebuilding your house with similar materials at current labor and material costs sets what replacement cost means. Since the carrier’s maximum payout climbs with the rebuild estimate, bigger estimates for Camdenton properties usually lift premiums.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality shape how a property holds up in wind, hail, and fire seen across Missouri.
Scores for storms, hail, wildfire, and crime make up location risk, and they can shift from one Camdenton ZIP code or neighborhood to the next, meaning homes with similar rebuild costs can still get different prices.
Fire protection counts as well: a nearby hydrant, a short drive to the fire station, and a strong protection class can each help the premium.
Claims history is still a major rating input: recent claims on the property or household frequently raise rates for Camdenton renewals and new business quotes too.
Credit-based insurance score can move the price where rules allow: insurers relying on it usually charge less for stronger scores.
About Camdenton, MO
Camdenton counts about 3,880 residents in Camden County.
Camdenton is part of the Camden County area, where everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Camden County area; replacement cost, roof age, and construction type still explain most premium differences from street to street.
Tornado and severe-thunderstorm exposure are part of planning for Missouri homeowners, plus occasional flooding near rivers and creeks.
Homeowners discounts in Camdenton, MO
| 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% |
Discounts are not uniform across carriers, and the amounts vary. Treat “up to” as the top end, not a guarantee.
Coverage basics for homeowners
- Coverage A, dwelling: Following a covered loss, this coverage rebuilds the structure; set it to match what rebuilding costs in your area today.
- Other structures (Coverage B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Coverage C, personal property: This covers furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Coverage D, loss of use: When repairs after a covered claim make the house unlivable, this coverage helps with the extra living costs.
- Coverage E, personal liability: Coverage for times when the law holds you responsible for another person’s injury or property damage arising from a covered event.
- Medical payments (F): Visitors’ medical expenses after an injury on your property, frequently covered without a liability claim.
Bundling home and auto in Camdenton, MO
Illustrated average bundle savings, not guaranteed. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Camdenton, Missouri | $160 | $240 | $340 |
Housing and weather facts for Camdenton
The median home in Camdenton was built in 1992. Roughly 33% of homes predate 1980, which means electrical, plumbing, and roof upgrades often come up in underwriting.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively High”), and strong-wind (“Relatively Moderate”) in Camden County.
ACS 2020–2024 estimates put about 1,394 housing units in Camdenton, and owner-occupants live in close to 58% of the occupied homes. By structure type, 68% are detached single-family houses and 27% are in buildings with two or more units.
For heat, Camdenton households mostly rely on electricity (84%), utility gas (8.3%), and propane or other bottled gas (7.1%). Propane tanks and wood stoves are worth mentioning on an application, since some carriers price or inspect them.
Since 2000, Camden County has been part of 17 major disaster declarations; the most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (August 2026).
Tornado history matters here as well: NOAA lists 2 tornadoes starting within 10 miles of Camdenton between 2016 and 2025, the most intense an EF0 in July 2018.
NOAA’s Storm Events Database lists 32 hail reports within about 5 miles of Camdenton from 2016 through 2025; 28 were one inch or bigger. Top size measured 3 inches in May 2024 near Linn Creek.
Local history records show Camdenton was founded in 1931. The Census Bureau counted 2,779 people in Camdenton at the 2000 Census and 3,718 at the 2010 Census; its July 2024 estimate is 4,035. That is growth of roughly 45% since 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 51 hail reports within 5 miles of Camdenton between 1955 and 2015, topped by hail of 2.75 inches on November 27, 1964. 3 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 10 tornadoes that began within 10 miles of Camdenton from 1950 through 2015, the strongest an F3 on May 4, 2003. Along its full path, that storm was blamed for 4 deaths and 27 injuries.
Comparing homes in nearby towns? We also have home insurance pages for Osage Beach (10 mi), Village of Four Seasons (13 mi), and Lake Ozark (15 mi).
ZIP codes we cover in and around Camdenton
65020 · 65052
Keep exploring Missouri coverage options
Camdenton, MO homeowners quotes
Freedom Insurance Group shops 25+ carriers on behalf of Camdenton residents. Call (800) 253-1482 or start a free home quote online.
