Freedom Insurance Group serves Campbell, MO with side-by-side homeowners quotes from 25+ companies.
Getting to know Campbell, MO
Campbell has roughly 1,922 residents and lies within Dunklin County.
In a smaller Missouri community such as Campbell, the insurance picture centers on local construction, fire protection access, and regional storm patterns rather than tourism headlines.
Homes are mostly single-family houses typical of the Dunklin County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Missouri homeowners should prepare for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Home insurance prices in Campbell, MO
The typical homeowners insurance premium in Campbell, 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 Campbell dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Campbell, 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.
Coverage basics for homeowners
- Dwelling (Coverage A): Money to rebuild the structure after a covered loss. It should keep pace with reconstruction costs in your area.
- Other structures (B): Coverage for structures not attached to the home, like a garage, shed, or fence.
- Coverage C, personal property: Your furniture, clothes, and everyday belongings inside the house fall under this coverage, though some higher-value categories carry special sublimits.
- Loss of use (Coverage D): Added costs of living elsewhere until repairs are done after a covered claim makes it unlivable.
- Coverage E, personal liability: This applies when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Medical payments (F): This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Common discounts for Campbell, 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% |
Each carrier decides its own discount menu and sizes. “Up to” is the high end, not a guarantee.
What shapes home insurance costs in Campbell
Campbell homeowners are priced on several connected factors that underwriters weigh when they build a quote. Most of the price comes from rebuild cost, roof age and material, and exposure to storms or wildfire; your deductible and claims record can change the final premium as much as the company you choose.
Rebuilding your house with similar materials at current labor and material costs is what replacement cost captures. Since the carrier’s top payout climbs with the rebuild estimate, larger figures for Campbell properties usually lift premiums.
Frame or masonry walls, the roof covering, and overall build quality all shape how the home holds up against Missouri’s wind, hail, and fire events, so construction type and roof details carry weight.
Storm, hail, wildfire, and crime scores make up location risk, and they vary by ZIP code and neighborhood in Campbell, so homes with similar rebuild costs may still price differently.
A better fire protection profile built on hydrant distance, station distance, and protection class tends to make the premium lower.
Claims history is a heavy factor: for Campbell homes, recent household or property claims often means higher rates on both renewals and fresh quotes.
Certain companies factor in a credit-based insurance score where the state allows; a better score usually means a lower premium.
Home-and-auto bundles in Campbell, MO
The amounts shown show average bundling savings, not a guaranteed quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Campbell, Missouri | $160 | $240 | $340 |
Campbell homes by the numbers
ACS 2020–2024 estimates put about 776 housing units in Campbell, and homeowners occupy roughly 65% of the occupied homes. By structure type, 80% are detached single-family houses, 9.9% are in buildings with two or more units, and 8.0% are mobile homes.
FEMA’s National Risk Index flags tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Dunklin County.
For heat, Campbell households mostly rely on utility gas (67%) and electricity (30%).
Campbell’s median year built is 1963. About 84% of homes predate 1980, so electrical, plumbing, and roof upgrades often come up in underwriting.
NOAA storm records show 1 hail report within about 5 miles of Campbell from 2016 through 2025, and it was at least one inch across. The biggest was 1.25 inches in May 2025 near Campbell.
Since 2000, Dunklin County has been part of 14 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2025).
Tornadoes are part of the picture too: NOAA recorded 3 tornadoes touching down within 10 miles of Campbell over 2016–2025, with the strongest at EF2 during February 2018.
Census counts put Campbell at 1,883 residents in 2000 and 1,992 in 2010, and the Census Bureau’s July 2024 estimate is 1,513. That is roughly 20% fewer residents than in 2000.
Earlier hail records help too: the Storm Prediction Center lists 12 hail reports within 5 miles of Campbell between 1955 and 2015, topped by hail of 2.75 inches on May 26, 1995. 1 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 Campbell from 1950 through 2015; the most powerful, rated F2, touched down on November 24, 1973. Along its full path, that storm was blamed for 2 deaths and 6 injuries.
Comparing homes in nearby towns? We also have home insurance pages for Malden (9 mi), Bernie (14 mi), and Kennett (18 mi).
Where we write coverage around Campbell
63933 · 63847
