Home Insurance in Steelville, Missouri
The median home value in Steelville is $92,500, 46% lower than the Crawford County median.
The typical home in Steelville was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 6 points above Crawford County's 18%.
In Steelville, the housing stock is 57% single-family homes, 8% apartments in buildings with 5+ units and 8% 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.
About 78% of owner-occupied homes in Steelville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 44% of occupied homes in Steelville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Steelville - 57% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Crawford County had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $92,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Crawford County | 42 |
| 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)