Home Insurance in Polo, Missouri
Homes in Polo carry a median value of $154,700 - 7% lower than the Caldwell County median.
The typical home in Polo was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 11 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 Polo is 82% single-family homes and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Polo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Polo are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Polo - 50% - are primarily heated with propane.
What's the biggest home insurance risk near Polo? FEMA's National Risk Index points to wildfire (Very Low) in Caldwell County and Caldwell County had 1 active NFIP flood policy as of September 2026. See the full Caldwell 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 | $154,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)