Home Insurance in Pattonsburg, Missouri
The median home value in Pattonsburg is $92,500, 43% lower than the Daviess County median.
The typical home in Pattonsburg was built around 1991. About 31% of homes were built before 1960, in line with Daviess County (31%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pattonsburg is 63% single-family homes, 4% apartments in buildings with 5+ units and 20% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
18% of owner-occupied homes in Pattonsburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Pattonsburg are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Pattonsburg - 63% - are primarily heated with natural gas.
Daviess County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $92,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)