Home Insurance in McFall, Missouri
The typical home in McFall was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 68% of homes were built before 1960, about 34 points above Gentry County's 34%.
The housing stock in McFall is 74% single-family homes and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
16% of owner-occupied homes in McFall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in McFall are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In McFall, 38% of homes are primarily heated with wood.
FEMA rates Gentry County's overall risk as Very Low, led by hail (Relatively Low). 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 year built | 1952 |
|---|---|
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)