Home Insurance in Lake Winnebago, Missouri
With a median home value of $724,600, Lake Winnebago is 148% higher than the Cass County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lake Winnebago was built around 1992. About 2% of homes were built before 1960, about 10 points below Cass County's 11%.
In Lake Winnebago, the housing stock is 100% single-family homes.
In Lake Winnebago, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lake Winnebago has an owner-occupancy rate of 96% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Lake Winnebago - 70% - are primarily heated with natural gas.
Cass County had 116 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $724,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)