Home Insurance in Daviess County, Missouri
With a median home value of $161,800, Daviess County is 30% lower than the Missouri median.
The typical home in Daviess County was built around 1977. About 31% of homes were built before 1960, about 3 points above Missouri's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Daviess County is 83% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Daviess County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Daviess County are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Daviess County, 32% of homes 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.
FEMA's National Risk Index lists hail (Relatively Low), tornado (Relatively Low) and wildfire (Very Low) as the leading hazards for Daviess County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Daviess County has no active NFIP flood policies on file.
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 | $161,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Wildfire (Very 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)