Home Insurance in Gentry, Missouri
The typical home in Gentry was built around 1944. About 57% of homes were built before 1960, about 23 points above Gentry County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Gentry is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
19% of owner-occupied homes in Gentry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 52%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Gentry are owner-occupied.
Most homes in Gentry - 95% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Gentry County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Gentry 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 year built | 1944 |
|---|---|
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Gentry County | 1 |
| 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)