Home Insurance in Maysville, Missouri
Homes in Maysville carry a median value of $154,000 - 9% lower than the DeKalb County median.
The typical home in Maysville was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 9 points above DeKalb County's 25%.
In Maysville, the housing stock is 79% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
49% of owner-occupied homes in Maysville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Maysville has an owner-occupancy rate of 58% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
46% of homes in Maysville are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Maysville? FEMA's National Risk Index points to tornado (Relatively Low) in DeKalb County and DeKalb County had 1 active NFIP flood policy as of September 2026. See the full DeKalb 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 | $154,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in DeKalb County | 1 |
| 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)