Home Insurance in El Dorado Springs, Missouri
Homes in El Dorado Springs carry a median value of $103,900 - 38% lower than the Cedar County median.
The typical home in El Dorado Springs was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 2 points above Cedar County's 20%.
In El Dorado Springs, the housing stock is 77% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In El Dorado Springs, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in El Dorado Springs are owner-occupied.
Most homes in El Dorado Springs - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near El Dorado Springs? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Cedar County and Cedar County had 2 active NFIP flood policies as of September 2026. See the full Cedar 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 | $103,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Cedar County | 2 |
| 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)