Home Insurance in Wardsville, Missouri
The median home value in Wardsville is $329,500, 44% higher than the Cole County median.
The typical home in Wardsville was built around 1996. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 5 points below Cole County's 20%.
The housing stock in Wardsville is 91% single-family homes and 3% apartments in buildings with 5+ units.
In Wardsville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wardsville has an owner-occupancy rate of 84% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Wardsville - 59% - are primarily heated with natural gas.
Cole County had 114 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Cole 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 | $329,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cole County | 114 |
| 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)