Home Insurance in King City, Missouri
With a median home value of $121,300, King City is 9% lower than the Gentry County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in King City was built around 1967. About 39% of homes were built before 1960, about 6 points above Gentry County's 34%.
In King City, the housing stock is 82% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in King City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in King City are owner-occupied.
56% of homes in King City 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.
Gentry County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Gentry County had 1 active NFIP flood policy as of September 2026. 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 home value | $121,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)