Home Insurance in Passaic, Missouri
With a median home value of $64,700, Passaic is 62% lower than the Bates County median.
The typical home in Passaic was built around 2010. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 5 points below Bates County's 30%.
The housing stock in Passaic is 34% single-family homes and 66% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Passaic, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Passaic has an owner-occupancy rate of 77% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Passaic - 60% - are primarily heated with electricity.
FEMA rates Bates County's overall risk as Very Low, led by strong wind (Relatively Moderate). Bates County had 10 active NFIP flood policies as of September 2026. See the full Bates 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 | $64,700 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Bates County | 10 |
| 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)