Side-by-side homeowners quotes from 25+ companies in Village of Four Seasons, MO, from Freedom Insurance Group.
What makes Village of Four Seasons, MO unique
Village of Four Seasons is home to around 2,496 residents within Missouri.
For a smaller Missouri place like Village of Four Seasons, the insurance picture centers on local construction, access to fire protection, and regional storm patterns more than any big-city headline.
Housing here is largely single-family homes typical of Missouri, but replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
Missouri homeowners should prepare for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Home insurance pricing in Village of Four Seasons, MO
The typical homeowners insurance premium in Village of Four Seasons, 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 Village of Four Seasons dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Village of Four Seasons, 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.
What a standard home policy includes
- Coverage A, dwelling: Rebuilding funds for the home itself after a covered loss. Set it to follow current local construction costs.
- Coverage B, other structures: Protection for structures not attached to the home, for example a fence, shed, or detached garage.
- Personal property (Coverage 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 (D): It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): It pays when the law holds you responsible for another person’s injury or property damage arising from a covered event.
- Coverage F, medical payments: It can help pay guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Discounts for Village of Four Seasons, 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% |
Which discounts apply and how much they are worth differ from carrier to carrier. “Up to” marks the top of the range, not a guaranteed amount.
What affects home insurance premiums in Village of Four Seasons
Carriers price a Village of Four Seasons homeowners quote from several overlapping factors reviewed together. Look for rebuild cost, roof age and material, and local storm or wildfire exposure to matter most. The deductible you pick and your claims record may move the final premium as much as choosing one carrier over another.
Rebuilding your house with similar materials at today’s labor and supply prices sets what replacement cost measures. Since the carrier’s largest possible payout rises with the rebuild estimate, bigger estimates for Village of Four Seasons houses tend to push up premiums.
Construction type and roof details count as well: frame versus masonry walls, the roof covering, and overall build quality shape how a property performs in the wind, hail, and fire events common across Missouri.
Similar Village of Four Seasons houses with close rebuild estimates might not cost the same due to location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Carriers score fire protection by protection class plus how far away hydrants and stations are; better protection usually means a more competitive price.
Claims history still matters a lot: for Village of Four Seasons homes, a recent claim on the home or household often means higher rates on both renewals and fresh quotes.
Credit-based insurance score can move the price in states that allow it: companies that apply it generally offer lower premiums for stronger scores.
Village of Four Seasons, MO bundling home and auto
The amounts shown are illustrated averages for bundling, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Village of Four Seasons, Missouri | $160 | $240 | $340 |
What public data says about Village of Four Seasons homes
NOAA’s Storm Events Database lists 11 hail reports within about 5 miles of Village of Four Seasons from 2016 through 2025; 9 were one inch or bigger. Top size measured 2 inches in May 2023 around Sunrise Beach.
Tornado history matters here as well: NOAA recorded 4 tornadoes touching down within 10 miles of Village of Four Seasons between 2016 and 2025, the strongest rated EF1 in May 2017.
Village of Four Seasons’ median year built is 1989. There is a spread of ages: 14% predate 1980 and 6.6% went up in 2010 or later.
FEMA’s National Risk Index flags hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively High”), and strong-wind (“Relatively Moderate”) in Camden County.
From 2000 on, Camden County has been part of 17 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (August 2026).
ACS 2020–2024 estimates put about 2,388 housing units in Village of Four Seasons, and owner-occupants live in close to 85% of the occupied homes. Of all units, 58% are detached single-family houses and 40% are in buildings with two or more units.
For heat, Village of Four Seasons households mostly rely on electricity (94%).
The Census Bureau counted 1,493 people in Village of Four Seasons at the 2000 Census and 2,217 at the 2010 Census; its July 2024 estimate is 2,493. That works out to about 67% more residents than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 29 hail reports within 5 miles of Village of Four Seasons between 1955 and 2015, topped by hail of 4.25 inches on May 12, 2011. 2 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 12 tornadoes that began within 10 miles of Village of Four Seasons from 1950 through 2015, the strongest an F2 on March 12, 2006.
Looking at neighboring communities? See our home insurance pages for Lake Ozark (5 mi), Osage Beach (6 mi), and Camdenton (13 mi).
ZIP codes we serve in and around Village of Four Seasons
65049 · 65065
