Home Insurance in Mexico, Missouri
Homes in Mexico carry a median value of $139,800 - close to 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 Mexico was built around 1965. About 44% of homes were built before 1960, about 7 points above Audrain County's 37%.
The housing stock in Mexico is 80% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Mexico carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mexico has an owner-occupancy rate of 63% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Mexico, 48% of homes are primarily heated with natural gas.
Audrain County had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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 | $139,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)