Home Insurance in Pilot Grove, Missouri
The median home value in Pilot Grove is $133,000, 35% lower than the Cooper County median.
The typical home in Pilot Grove was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, in line with Cooper County (35%).
The housing stock in Pilot Grove is 77% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Pilot Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pilot Grove has an owner-occupancy rate of 75% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
79% of homes in Pilot Grove are primarily heated with natural gas.
What's the biggest home insurance risk near Pilot Grove? FEMA's National Risk Index points to tornado (Relatively Low) in Cooper County and 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 | $133,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)