Home Insurance in Raymore, Missouri
Homes in Raymore carry a median value of $339,100 - 16% higher than the Cass County median.
The typical home in Raymore was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 10 points below Cass County's 11%.
The housing stock in Raymore is 85% single-family homes and 9% apartments in buildings with 5+ units.
70% of owner-occupied homes in Raymore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Raymore has an owner-occupancy rate of 78% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Raymore, 71% of homes are primarily heated with natural gas.
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.
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 | $339,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 78% |
| 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)