Home Insurance in Auxvasse, Missouri
The median home value in Auxvasse is $132,600, 34% lower than the Callaway County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Auxvasse was built around 1968. About 38% of homes were built before 1960, about 21 points above Callaway County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Auxvasse is 75% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
74% of owner-occupied homes in Auxvasse carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Auxvasse are owner-occupied.
55% of homes in Auxvasse are primarily heated with electricity.
Callaway County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Callaway County had 38 active NFIP flood policies as of September 2026. See the full Callaway County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $132,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Callaway County | 38 |
| 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)