Home Insurance in Rock Port, Missouri
The median home value in Rock Port is $115,600, 8% higher than the Atchison County median.
The typical home in Rock Port was built around 1960. About 50% of homes were built before 1960, about 4 points below Atchison County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Rock Port, the housing stock is 88% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Rock Port, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rock Port has an owner-occupancy rate of 76% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Rock Port - 63% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Atchison County's overall risk as Very Low, led by hail (Relatively Low). Atchison County had 17 active NFIP flood policies as of September 2026. See the full Atchison 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 | $115,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Atchison County | 17 |
| 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)