A plain-language look at homeowners coverage for Cameron: local context, cost drivers, and how to compare quotes without guesswork.
Cameron, MO: what is distinctive here
Cameron has around 9,836 residents and lies within Clinton County.
Cameron is part of the Clinton County area, where day-to-day insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family houses typical of the Clinton County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Missouri homeowners should prepare for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
What households pay for home insurance in Cameron
The typical homeowners insurance premium in Cameron, 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 40% lower — near $1,123 per year for a typical home, roughly $1,321 for a $300,000 home, about $1,858 for a $600,000 home, and around $2,418 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 Cameron dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Cameron, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How Cameron home insurance quotes differ
Pricing for a Cameron home comes from several related inputs that carriers check together. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, while rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Putting the house back in comparable materials at today’s labor and supply prices defines what replacement cost measures. Higher rebuild estimates for Cameron properties tend to raise premiums since the carrier’s maximum payout grows with that figure.
Construction type and roof details count as well: frame versus masonry walls, the roof covering, and overall build quality shape how a property fares in wind, hail, and fire seen across Missouri.
Location risk reflects storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Cameron, so two homes with similar rebuild costs can still get different prices.
A better fire protection profile that reflects close hydrants, a nearby station, and a good protection class can make the premium lower.
Claims filed lately tied to the home or the household can push up the price on Cameron renewals and new quotes alike, because claims history remains a major rating input.
Some carriers weigh a credit-based insurance score where the state allows; the stronger the score, the lower the premium tends to be.
Homeowners coverage basics
- Coverage A, dwelling: Rebuilding funds for the home itself after a covered loss. Match it to reconstruction costs in your area.
- Coverage B, other structures: Coverage for anything detached from the main house, for example a garage, shed, or fence.
- Personal property (C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): It can help pay additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Coverage E, personal liability: This applies when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
- Medical payments (F): This coverage can help with guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Common discounts for Cameron, 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. Treat “up to” as the top end, not what everyone gets.
Local housing and storm data: Cameron
From 2000 on, Clinton County has been part of 10 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (September 2021).
For heat, Cameron households mostly rely on utility gas (61%) and electricity (34%).
NOAA storm records show 11 hail reports within about 5 miles of Cameron from 2016 through 2025 (9 at one inch or more). The largest measured 2.5 inches in May 2019 around Osborn.
Half of Cameron’s homes were built in or before 1975. Roughly 57% of homes predate 1980, so wiring, plumbing, and roof updates are worth documenting for a quote.
The Census Bureau’s 2020–2024 American Community Survey counts about 3,049 housing units in Cameron, and owners occupy close to 57% of the occupied homes. By structure type, 66% are detached single-family houses and 26% are in buildings with two or more units.
FEMA’s National Risk Index flags hail (“Relatively Moderate”) and tornado (“Relatively Moderate”) in Clinton County.
Tornadoes are part of the picture too: NOAA recorded 4 tornadoes starting within 10 miles of Cameron between 2016 and 2025, with the strongest at EF1 in October 2021.
Cameron’s recorded beginnings date to 1830. Census counts put Cameron at 8,312 residents in 2000 and 9,933 in 2010, and the Census Bureau’s July 2024 estimate is 7,352. That is roughly 12% fewer residents than in 2000.
Older NOAA hail logs add more history: SPC data show 49 hail reports within 5 miles of Cameron between 1955 and 2015, topped by hail of 4.5 inches on September 10, 1984. 3 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 13 tornadoes that began within 10 miles of Cameron from 1950 through 2015, the strongest an F4 on May 29, 2004. NOAA ties that tornado to 3 deaths and 6 injuries.
Shopping around the area? See our home insurance pages for Hamilton (12 mi), Lathrop (13 mi), and Plattsburg (18 mi).
ZIP codes we cover in and around Cameron
64429
Cameron, MO home and auto bundling
These are illustrated averages for bundling, not a quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Cameron, Missouri | $160 | $240 | $340 |
Saving on home insurance in Cameron
- Shop more than one carrier, since risk appetite varies.
- Bundle home and auto when it really lowers the package price.
- Raise deductibles only if you can afford the out-of-pocket hit.
- Ask about roof, alarm, and claims-free credits that suit your home.
See more Missouri coverage options
Cameron, MO homeowners quotes
Cameron residents get a comparison of 25+ carriers through Freedom Insurance Group. To get started, request a home quote online or call (800) 253-1482.
