Home Insurance in Cowgill, Missouri
The median home value in Cowgill is $55,800, 66% lower than the Caldwell County median.
The typical home in Cowgill was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 3 points above Caldwell County's 34%.
In Cowgill, the housing stock is 56% single-family homes, 8% apartments in buildings with 5+ units and 4% 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.
About 31% of owner-occupied homes in Cowgill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cowgill has an owner-occupancy rate of 57% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
58% of homes in Cowgill are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Caldwell County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Caldwell 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 | $55,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Caldwell County | 1 |
| 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)