Home Insurance in Kidder, Missouri
With a median home value of $82,900, Kidder is 50% lower than the Caldwell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kidder was built around 1971. About 41% of homes were built before 1960, about 7 points above Caldwell County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kidder is 89% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
29% of owner-occupied homes in Kidder carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kidder has an owner-occupancy rate of 72% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
33% of homes in Kidder are primarily heated with electricity. Homes heated with propane and wood 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.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $82,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)