Home Insurance in Martinsburg, Missouri
The typical home in Martinsburg was built around 1982. About 28% of homes were built before 1960, about 8 points below Audrain County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Martinsburg is 46% single-family homes and 44% mobile or manufactured homes.
About 74% of owner-occupied homes in Martinsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Martinsburg are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Martinsburg - 68% - are primarily heated with electricity.
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 year built | 1982 |
|---|---|
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)