Home Insurance in Rocheport, Missouri
The median home value in Rocheport is $223,300, 18% lower than the Boone County median.
The median home in Rocheport was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 56 points above Boone County's 11%.
In Rocheport, the housing stock is 95% single-family homes.
62% of owner-occupied homes in Rocheport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Rocheport are owner-occupied. The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Rocheport 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $223,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)