Home Insurance in Boonville, Missouri
Homes in Boonville carry a median value of $187,900 - 8% lower than the Cooper County median.
The typical home in Boonville was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 10 points above Cooper County's 35%.
In Boonville, the housing stock is 79% single-family homes, 6% apartments in buildings with 5+ units and 3% 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.
In Boonville, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Boonville has an owner-occupancy rate of 63% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Boonville - 51% - are primarily heated with natural gas.
Cooper County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Cooper County had 9 active NFIP flood policies as of September 2026. See the full Cooper 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 | $187,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Cooper County | 9 |
| 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)