Home Insurance in Cassville, Missouri
Homes in Cassville carry a median value of $155,300 - 17% lower than the Barry County median.
The typical home in Cassville was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 11 points above Barry County's 19%.
The housing stock in Cassville is 86% single-family homes and 8% apartments in buildings with 5+ units.
About 49% of owner-occupied homes in Cassville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cassville has an owner-occupancy rate of 68% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
67% of homes in Cassville are primarily heated with natural gas.
Barry County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Barry County had 14 active NFIP flood policies as of September 2026. See the full Barry County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $155,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Barry County | 14 |
| 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)