Home Insurance in Cosby, Missouri
The median home value in Cosby is $106,300, 51% lower than the Andrew County median.
The typical home in Cosby was built around 1947. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 31 points above Andrew County's 25%.
The housing stock in Cosby is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Cosby carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Cosby are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cosby, 46% of homes are primarily heated with propane.
Andrew County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Andrew County had 30 active NFIP flood policies as of September 2026. See the full Andrew County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $106,300 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Andrew County | 30 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)