Home Insurance in Miramiguoa Park, Missouri
Homes in Miramiguoa Park carry a median value of $134,200 - 41% lower than the Franklin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Miramiguoa Park was built around 1974. About 10% of homes were built before 1960, about 11 points below Franklin County's 21%.
Housing in Miramiguoa Park breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Miramiguoa Park, about 92% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Miramiguoa Park has an owner-occupancy rate of 98% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Miramiguoa Park are primarily heated with electricity.
FEMA rates Franklin County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Franklin County had 218 active NFIP flood policies as of September 2026. See the full Franklin 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 | $134,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 92% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Franklin County | 218 |
| 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)