Home Insurance in Lake Annette, Missouri
With a median home value of $129,200, Lake Annette is 56% lower than the Cass County median.
The typical home in Lake Annette was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 29% of homes were built before 1960, about 18 points above Cass County's 11%.
In Lake Annette, the housing stock is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Lake Annette have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Lake Annette are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in Lake Annette are primarily heated with electricity.
Cass County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $129,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)