Home Insurance in Laddonia, Missouri
With a median home value of $80,200, Laddonia is 44% lower than the Audrain County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Laddonia was built around 1962. About 46% of homes were built before 1960, about 10 points above 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 Laddonia is 83% single-family homes and 13% mobile or manufactured homes.
40% of owner-occupied homes in Laddonia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Laddonia are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
51% of homes in Laddonia are primarily heated with electricity.
Audrain County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $80,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)