Home Insurance in Morrison, Missouri
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Morrison was built in 1939 or earlier. About 66% of homes were built before 1960, about 34 points above Gasconade County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Morrison is 84% single-family homes and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 35% of owner-occupied homes in Morrison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Morrison are owner-occupied.
Most homes in Morrison - 52% - are primarily heated with propane. Homes heated with propane and wood 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 Morrison? FEMA's National Risk Index points to earthquake (Relatively Low) in Gasconade County and Gasconade County had 55 active NFIP flood policies as of September 2026. 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)