Home Insurance in Rockville, Missouri
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Rockville was built in 1939 or earlier. About 65% of homes were built before 1960, about 35 points above Bates County's 30%.
The housing stock in Rockville is 78% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rockville, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rockville has an owner-occupancy rate of 74% and a vacancy rate of 46%; unoccupied homes typically need a different coverage form.
49% of homes in Rockville are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)