Home Insurance in Agency, Missouri
Homes in Agency carry a median value of $251,800 - 51% higher than the Buchanan County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Agency was built around 1981. About 12% of homes were built before 1960, about 33 points below Buchanan County's 45%.
In Agency, the housing stock is 95% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Agency, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Agency has an owner-occupancy rate of 98% and a vacancy rate of 3%; 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. 83% of homes in Agency are primarily heated with electricity.
What's the biggest home insurance risk near Agency? FEMA's National Risk Index points to hail (Relatively Moderate) in Buchanan County and Buchanan County had 281 active NFIP flood policies as of September 2026. See the full Buchanan 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 | $251,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Buchanan County | 281 |
| 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)