HomeInsuranceQts

Home Insurance in Archie, Missouri

With a median home value of $192,600, Archie is 34% lower than the Cass County median.

The typical home in Archie was built around 1980. About 13% of homes were built before 1960, about 1 point above Cass County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

Housing in Archie breaks down to 87% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

In Archie, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Archie are owner-occupied.

Most homes in Archie - 53% - are primarily heated with electricity.

FEMA rates Cass County's overall risk as Relatively Low, led by hail (Relatively Moderate). Cass County had 116 active NFIP flood policies as of September 2026. See the full Cass County home insurance overview for all FEMA hazard ratings and flood coverage details.

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$192,600
Median year built1980
Owner-occupied share76%
Share of owner-occupied homes with a mortgage65%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Cass County116
Home insurance premium$1,589 - statewide average (NAIC, 2023 data)
Key home insurance figures for Archie, MO

Nearby towns

Sources

Data last updated: 2026-09-29