Home Insurance in Dent County, Missouri
With a median home value of $167,500, Dent County is 27% lower than the Missouri median.
The typical home in Dent County was built around 1978. About 22% of homes were built before 1960, about 5 points below Missouri's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Dent County, the housing stock is 72% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Dent County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Dent County 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 and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dent County, 44% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low) as the leading hazards for Dent County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Dent County has 11 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $167,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 11 |
| 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)