Home Insurance in Centralia, Missouri
Homes in Centralia carry a median value of $174,300 - 36% lower than the Boone County median.
The typical home in Centralia was built around 1971. About 35% of homes were built before 1960, about 24 points above Boone County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Centralia, the housing stock is 82% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in Centralia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Centralia are owner-occupied.
In Centralia, 70% of homes are primarily heated with natural gas.
Boone County had 150 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Boone 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 | $174,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Boone County | 150 |
| 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)