Home Insurance in Callaway County, Missouri
Homes in Callaway County carry a median value of $201,600 - 12% lower than the Missouri median.
The typical home in Callaway County was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 10 points below Missouri's 27%.
In Callaway County, the housing stock is 74% single-family homes, 4% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Callaway County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Callaway County has an owner-occupancy rate of 76% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Callaway County - 54% - 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.
Per FEMA's National Risk Index, Callaway County's top hazards are earthquake (Relatively Low), winter weather (Relatively Moderate) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Callaway County had 38 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $201,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 38 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)