Home Insurance in Carroll County, Missouri
With a median home value of $117,500, Carroll County is 49% lower than the Missouri median.
The typical home in Carroll County was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 21 points above Missouri's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carroll County is 85% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Carroll County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Carroll County are owner-occupied.
36% of homes in Carroll County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Carroll County, per FEMA's National Risk Index, are tornado (Relatively Low), inland flooding (Relatively Low) and wildfire (Very Low).
Carroll County had 45 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 | $117,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Inland Flooding (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 45 |
| 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)