Home Insurance in Dalton, Missouri
The typical home in Dalton was built around 1978. About 0% of homes were built before 1960, about 40 points below Chariton County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dalton is 33% single-family homes and 67% mobile or manufactured homes.
Almost no owner-occupied homes in Dalton carry a mortgage.
Dalton has an owner-occupancy rate of 100% and a vacancy rate of 44%; unoccupied homes typically need a different coverage form.
Most homes in Dalton - 80% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Dalton? FEMA's National Risk Index points to hail (Relatively Low) in Chariton County and Chariton County had 21 active NFIP flood policies as of September 2026. See the full Chariton 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 year built | 1978 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Chariton County | 21 |
| 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)