Home Insurance in Gilman City, Missouri
Homes in Gilman City carry a median value of $68,300 - 58% lower than the Daviess County median.
The typical home in Gilman City was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 17 points above Daviess County's 31%.
In Gilman City, the housing stock is 75% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Gilman City, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Gilman City are owner-occupied.
72% of homes in Gilman City are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Daviess County's overall risk as Very Low, led by hail (Relatively Low). Daviess County has no active NFIP flood policies on file. See the full Daviess County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $68,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hail (Relatively Low) |
| 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)