Home Insurance in Keytesville, Missouri
Homes in Keytesville carry a median value of $86,300 - 46% lower than the Chariton County median.
The typical home in Keytesville was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 7 points below Chariton County's 40%.
In Keytesville, the housing stock is 62% single-family homes, 4% apartments in buildings with 5+ units and 14% 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.
39% of owner-occupied homes in Keytesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Keytesville has an owner-occupancy rate of 67% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Keytesville are primarily heated with natural gas.
FEMA rates Chariton County's overall risk as Very Low, led by hail (Relatively Low). 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 home value | $86,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)