Home Insurance in Country Club, Missouri
Homes in Country Club carry a median value of $205,000 - close to the Andrew County median.
The typical home in Country Club was built around 1978. About 17% of homes were built before 1960, about 8 points below Andrew County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Country Club, the housing stock is 88% single-family homes. The rest are 2-4 unit or other housing types.
54% of owner-occupied homes in Country Club carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Country Club has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Country Club, 53% of homes are primarily heated with natural gas.
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.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $205,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)