Home Insurance in Cedar County, Missouri
The median home value in Cedar County is $168,100, 27% lower than the Missouri median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cedar County was built around 1980. About 20% of homes were built before 1960, about 8 points below Missouri's 27%.
The housing stock in Cedar County is 77% single-family homes, 3% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cedar County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cedar County has an owner-occupancy rate of 74% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
42% of homes in Cedar County 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.
The top hazards for Cedar County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), tornado (Relatively Low) and wildfire (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cedar County has 2 active NFIP flood policies on file.
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 | $168,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)