Home Insurance in Salisbury, Missouri
The median home value in Salisbury is $102,400, 36% lower than the Chariton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Salisbury was built around 1961. About 48% of homes were built before 1960, about 8 points above Chariton County's 40%.
In Salisbury, the housing stock is 88% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 47% of owner-occupied homes in Salisbury have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Salisbury has an owner-occupancy rate of 76% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Salisbury - 62% - are primarily heated with natural gas.
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.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $102,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)