Home Insurance in Fulton, Missouri
With a median home value of $155,900, Fulton is 23% lower than the Callaway County median.
The typical home in Fulton was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 14 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 Fulton is 64% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Fulton, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 48% of occupied homes in Fulton are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fulton, 49% of homes are primarily heated with electricity.
FEMA rates Callaway County's overall risk as Relatively Low, led by earthquake (Relatively Low). 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.
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 | $155,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)