Home Insurance in Cass County, Missouri
The median home value in Cass County is $292,400, 27% higher than the Missouri median.
The typical home in Cass County was built around 1992. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 16 points below Missouri's 27%.
In Cass County, the housing stock is 85% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Cass County 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 76% of occupied homes in Cass County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 55% of homes in Cass County are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Moderate), strong wind (Relatively High) and tornado (Relatively Moderate) as the leading hazards for Cass County.
Cass County had 116 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.
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 | $292,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 116 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
- Archie
- Baldwin Park
- Belton
- Cleveland
- Creighton
- Drexel
- East Lynne
- Freeman
- Garden City
- Gunn City
- Harrisonville
- Lake Annette
- Lake Winnebago
- Loch Lloyd
- Peculiar
- Pleasant Hill
- Raymore
- Riverview Estates
- Strasburg
- West Line
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)