Home Insurance in Kingdom City, Missouri
Homes in Kingdom City carry a median value of $86,400 - 57% 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 Kingdom City was built around 1979. About 17% of homes were built before 1960, in line with Callaway County (18%).
The housing stock in Kingdom City is 44% single-family homes and 56% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kingdom City, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Kingdom City are owner-occupied.
47% of homes in Kingdom City 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.
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.
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 | $86,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)