Home Insurance in Wooldridge, Missouri
The median home value in Wooldridge is $156,300, 23% lower than the Cooper County median.
The median home in Wooldridge was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 67% of homes were built before 1960, about 32 points above Cooper County's 35%.
In Wooldridge, the housing stock is 87% single-family homes. The rest are 2-4 unit or other housing types.
About 31% of owner-occupied homes in Wooldridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 57%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Wooldridge are owner-occupied.
62% of homes in Wooldridge are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $156,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)