Home Insurance in Gasconade, Missouri
Homes in Gasconade carry a median value of $66,300 - 63% lower than the Gasconade County median.
The typical home in Gasconade was built around 1955. About 65% of homes were built before 1960, about 33 points above Gasconade County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Gasconade is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Gasconade have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gasconade has an owner-occupancy rate of 98% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Gasconade, 45% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Gasconade County had 55 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Gasconade County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $66,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Gasconade County | 55 |
| 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)