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65263 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 65263 zip code it's important to know that our rates are very competitive for homeowners living in Madison, MO. Many homeowners based out of your 65263 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Missouri licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 65263 should appear in the zip code field ready to go. For Madison, MO Homeowners Insurance Quotes nearby, we offer the best rates and service.

65263: Average Home Insurance Rates

For homeowners living in the great city of Madison, the average homeowners policy is considered high in comparison to other states. Missouri premiums are estimated to be around $991 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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65263 Home Insurance Average Premiums

Local 65263 homeowners insurance quotes comparison

$741 /yr.

Shows Zip Code: 65263 lowest rates with discounts applied on average.

For the 65263, 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)		$741 /yr.
Average Coverage:$991 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1291 /yr.

What is the average home insurance cost for a home in 65263?

  • • The average homeowners insurance premium paid annually for a home in 65263 is around $991 per year.

What does it cost on average per month for home insurance in 65263?

  • • Homeowners in 65263 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 65263?

  • • Autoowners in 65263 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.

You can easily shop and compare home insurance rates within Madison, check out other zip codes nearby 65263.
To review average rates in another zip code, click on a zip code below:
65263  | 

Home Replacement Cost Coverage in 65263

Average Building Cost Per Square Foot in 65263: $122

Location: Madison, Missouri (Monroe County)

Average Square Footage in 65263: 881 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65263 before you start any project. Madison 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 65263 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 65263 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 881 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 Madison 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$122881$107,500
Additional Upgrades & Added Features$153881$134,375
Major Home Updates or Advancements$183881$161,250

It's important to understand that when you estimate your replacement cost of your home in the 65263 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 65263

Best Home & Auto Insurance Agencies in 65263

Housing Demographics for 65263

Population Review for 65263 Zip Code

For the city of Madison, the population within 65263 has increased to over 1,975 residents in population size. The current population total is 1,753. We have broken down the population based on race below. In 65263, there are over 864 in male population and 889 females.

PopulationValues
Total Population1,753
White Population1669
Black Population2
Hispanic Population23
Asian Population13
Hawaiian Population0
Indian Population4
Other Population14
Male Population864
Female Population889
Population Estimate1975

Household Data for 65263

The average number of homes in 65263 is around 661, there are an average of 2.63 per household. The average house value according to local real estate values is around $107,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode661
Persons Per Household2.63
Average House Value$107,500
Income Per Household$45758
Median Age42.7
Median Age Male41.4
Median Age Female43.4
65263 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code660
CityMadison
City Alias NameMADISON
CountyMonroe
County FIPS137
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses24
Number Of Employees87
Business First Quarter Payroll337
Business Annual Payroll1566
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District06
Congressional LandArea18198.62
Delivery Residential751
Delivery Business13
Delivery Total834
Preferred Last Line KeyW17136
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW17136
Land Area125.771000
Water Area0.403000
City Alias Code
City Mixed CaseMadison
City Alias Mixed CaseMadison
Box Count29
SFDU732
MFDU0
State ANSI29
County ANSI137
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number284986
Unique ZIP Name
SSA State County Code26680
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseMonroe

Missouri Homeowners Insurance News & Information

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]