Home Insurance in Mendon, Missouri
The median home value in Mendon is $175,000, 9% higher than the Chariton County median.
The typical home in Mendon was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 9 points above Chariton County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mendon is 83% single-family homes and 17% mobile or manufactured homes.
About 71% of owner-occupied homes in Mendon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mendon has an owner-occupancy rate of 87% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
68% of homes in Mendon 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.
Chariton County had 21 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). 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 | $175,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)