Home Insurance in Ash Grove, Missouri
Homes in Ash Grove carry a median value of $141,800 - 36% lower than the Greene County median.
The typical home in Ash Grove was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 28 points above Greene County's 21%.
The housing stock in Ash Grove is 84% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 75% of owner-occupied homes in Ash Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Ash Grove are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ash Grove, 76% of homes are primarily heated with natural gas.
FEMA rates Greene County's overall risk as Relatively Moderate, led by winter weather (Very High). Greene County had 223 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $141,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Greene County | 223 |
| 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)