Home Insurance in Peculiar, Missouri
The median home value in Peculiar is $283,900, close to the Cass County median.
The typical home in Peculiar was built around 1996. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 6 points below Cass County's 11%.
In Peculiar, the housing stock is 88% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 77% of owner-occupied homes in Peculiar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Peculiar are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Peculiar - 57% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $283,900 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)