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65470 Home Insurance Quotes & Rates

Currently, the 414 homes within the 65470 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Missouri is around $941 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Falcon, MO, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 65470.

Missouri is now ranking #20 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Falcon home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Missouri has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 65470 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Falcon, Missouri home insurance rates today!

Please give us a call now at 1-913-276-4017, easily get up to 12 rates over the phone in minutes. For Falcon, MO Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

65470 Home Insurance Average Premiums

Local 65470 homeowners insurance quotes comparison

$691 /yr.

Shows Zip Code: 65470 lowest rates with discounts applied on average.

For the 65470, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$691 /yr.
Average Coverage:$941 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1241 /yr.

What is the average home insurance cost for a home in 65470?

  • • The average homeowners insurance premium paid annually for a home in 65470 is around $941 per year.

What does it cost on average per month for home insurance in 65470?

  • • Homeowners in 65470 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 65470?

  • • Autoowners in 65470 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Falcon area, check out other zip codes nearby 65470.
Review average rates in another zip code:
65470 homeowners insurance rates

Home Replacement Cost Coverage in 65470

Average Building Cost Per Square Foot in 65470: $122

Location: Falcon, Missouri (Laclede County)

Average Square Footage in 65470: 965 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65470 before you start any project. Falcon homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 65470 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 65470 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 965 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Falcon area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$122965$117,700
Additional Upgrades & Added Features$153965$147,125
Major Home Updates or Advancements$183965$176,550

It's important to understand that when you estimate your replacement cost of your home in the 65470 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 65470

Best Home & Auto Insurance Agencies in 65470

Housing Demographics for 65470

Population Review for 65470 Zip Code

For the city of Falcon, the population within 65470 has increased to over 1,095 residents in population size. The current population total is 1,015. We have broken down the population based on race below. In 65470, there are over 526 in male population and 489 females.

PopulationValues
Total Population1,015
White Population946
Black Population2
Hispanic Population17
Asian Population4
Hawaiian Population0
Indian Population2
Other Population5
Male Population526
Female Population489
Population Estimate1095

Household Data for 65470

The average number of homes in 65470 is around 414, there are an average of 2.45 per household. The average house value according to local real estate values is around $117,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode414
Persons Per Household2.45
Average House Value$117,700
Income Per Household$44449
Median Age46.4
Median Age Male51.9
Median Age Female36.5
65470 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code417
CityFalcon
City Alias NameFALCON
CountyLaclede
County FIPS105
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA30060
CBSA_DIV
CBSA_TypeMicro
CBSA_NameLebanon, MO
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees17
Business First Quarter Payroll62
Business Annual Payroll328
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population35571
CBSA Division Population0
Congressional District04|08
Congressional LandArea14401.38|19901.17
Delivery Residential447
Delivery Business10
Delivery Total473
Preferred Last Line KeyW16470
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW16470
Land Area108.240000
Water Area0.584000
City Alias Code
City Mixed CaseFalcon
City Alias Mixed CaseFalcon
Box Count13
SFDU447
MFDU0
State ANSI29
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number282640
Unique ZIP Name
SSA State County Code26520
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseLaclede

Missouri Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]