Home Insurance in Umber View Heights, Missouri
With a median home value of $278,600, Umber View Heights is 66% higher than the Cedar County median.
The typical home in Umber View Heights was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 5 points below Cedar County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Umber View Heights is 96% single-family homes and 4% mobile or manufactured homes.
In Umber View Heights, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Umber View Heights are owner-occupied.
Most homes in Umber View Heights - 89% - are primarily heated with electricity.
What's the biggest home insurance risk near Umber View Heights? 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 | $278,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)