Home Insurance in Boone County, Missouri
Homes in Boone County carry a median value of $272,800 - 18% higher than the Missouri median.
The typical home in Boone County was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 16 points below Missouri's 27%.
In Boone County, the housing stock is 66% single-family homes, 19% apartments in buildings with 5+ units and 3% 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.
63% of owner-occupied homes in Boone County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Boone County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Boone County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Boone County, per FEMA's National Risk Index, are tornado (Relatively High), winter weather (Relatively High) and strong wind (Relatively High).
Boone County had 150 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $272,800 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Winter Weather (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 150 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ashland
- Centralia
- Columbia
- Hallsville
- Harrisburg
- Hartsburg
- Huntsdale
- McBaine
- Pierpont
- Rocheport
- Sturgeon
Sources
- 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)