Home Insurance in Everton, Missouri
Homes in Everton carry a median value of $69,500 - 59% lower than the Dade County median.
The typical home in Everton was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 3 points above Dade County's 36%.
In Everton, the housing stock is 74% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Everton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Everton has an owner-occupancy rate of 61% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
38% of homes in Everton 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 rates Dade County's overall risk as Very Low, led by strong wind (Relatively Moderate). Dade County has no active NFIP flood policies on file. See the full Dade County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $69,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| 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)