Home Insurance in West Sullivan, Missouri
With a median home value of $150,000, West Sullivan is 13% lower than the Crawford County median.
The typical home in West Sullivan was built around 2003. About 8% of homes were built before 1960, about 11 points below Crawford County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in West Sullivan is 37% single-family homes, 1% apartments in buildings with 5+ units and 25% 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 60% of owner-occupied homes in West Sullivan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 11% of occupied homes in West Sullivan are owner-occupied.
In West Sullivan, 94% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near West Sullivan? FEMA's National Risk Index points to earthquake (Relatively Low) in Crawford County and Crawford County had 42 active NFIP flood policies as of September 2026. 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.
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 | $150,000 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 11% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)