Home Insurance in Windsor Place, Missouri
With a median home value of $235,800, Windsor Place is 16% higher than the Cooper County median.
The typical home in Windsor Place was built around 2001. About 1% of homes were built before 1960, about 33 points below Cooper County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Windsor Place is 91% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Windsor Place, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Windsor Place are owner-occupied.
Most homes in Windsor Place - 93% - are primarily heated with electricity.
Cooper County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). 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 | $235,800 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)