Home Insurance in Randolph, Missouri
With a median home value of $112,500, Randolph is 59% lower than the Clay County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Randolph was built around 1940. About 65% of homes were built before 1960, about 47 points above Clay County's 18%.
The housing stock in Randolph is 95% single-family homes.
About 10% of owner-occupied homes in Randolph have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Randolph has an owner-occupancy rate of 62% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
69% of homes in Randolph are primarily heated with natural gas.
What's the biggest home insurance risk near Randolph? FEMA's National Risk Index points to hail (Relatively High) in Clay County and Clay County had 328 active NFIP flood policies as of September 2026. See the full Clay 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 | $112,500 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Clay County | 328 |
| 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)