Home Insurance in Creighton, Missouri
With a median home value of $104,200, Creighton is 64% lower than the Cass County median.
The typical home in Creighton was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 21 points above Cass County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Creighton is 66% single-family homes and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Creighton, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Creighton are owner-occupied.
In Creighton, 71% of homes 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.
What's the biggest home insurance risk near Creighton? FEMA's National Risk Index points to hail (Relatively Moderate) in Cass County and 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 | $104,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cass County | 116 |
| 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)