Home Insurance in Greene County, Missouri
With a median home value of $221,300, Greene County is close to the Missouri median.
The typical home in Greene County was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 7 points below Missouri's 27%.
Housing in Greene County breaks down to 72% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 62% of owner-occupied homes in Greene County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Greene County has an owner-occupancy rate of 57% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Greene County - 52% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Greene County, per FEMA's National Risk Index, are winter weather (Very High), tornado (Relatively High) and hail (Relatively Moderate).
Greene County had 223 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $221,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Tornado (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 223 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
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)