Home Insurance in Dade County, Missouri
With a median home value of $170,600, Dade County is 26% lower than the Missouri median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dade County was built around 1972. About 36% of homes were built before 1960, about 9 points above Missouri's 27%.
In Dade County, the housing stock is 84% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Dade County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Dade County are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Dade County, 33% of homes 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.
FEMA's National Risk Index lists strong wind (Relatively Moderate), hail (Relatively Low) and tornado (Relatively Low) as the leading hazards for Dade County.
Dade County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $170,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Low), Tornado (Relatively Low) |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)