Home Insurance in Vandalia, Missouri
The median home value in Vandalia is $84,500, 41% lower than the Audrain County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Vandalia was built around 1959. About 53% of homes were built before 1960, about 17 points above Audrain County's 37%.
In Vandalia, the housing stock is 83% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Vandalia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Vandalia are owner-occupied.
77% of homes in Vandalia are primarily heated with natural gas.
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 | $84,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)