Home Insurance in Gasconade County, Missouri
Homes in Gasconade County carry a median value of $179,900 - 22% lower than the Missouri median.
The typical home in Gasconade County was built around 1976. About 32% of homes were built before 1960, about 5 points above Missouri's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Gasconade County is 82% single-family homes, 3% apartments in buildings with 5+ units and 10% 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 Gasconade County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Gasconade County are owner-occupied. The vacancy rate is 20%; 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 Gasconade County, 45% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Gasconade County's top hazards are earthquake (Relatively Low), inland flooding (Relatively Low) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Gasconade County had 55 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $179,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Inland Flooding (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 55 |
| 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)