Home Insurance in Benton City, Missouri
The median home value in Benton City is $91,700, 36% lower than the Audrain County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Benton City was built around 1970. About 20% of homes were built before 1960, about 17 points below Audrain County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Benton City is 76% single-family homes and 24% mobile or manufactured homes.
About 46% of owner-occupied homes in Benton City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Benton City has an owner-occupancy rate of 83% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Benton City - 69% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Audrain County's overall risk as Relatively Low, led by earthquake (Relatively Low). Audrain County had 42 active NFIP flood policies as of September 2026. See the full Audrain County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $91,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Audrain County | 42 |
| 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)