Home Insurance in Walnut Grove, Missouri
Homes in Walnut Grove carry a median value of $139,000 - 37% lower than the Greene County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Walnut Grove was built around 1967. About 36% of homes were built before 1960, about 15 points above Greene County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Walnut Grove is 83% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Walnut Grove, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Walnut Grove are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 57% of homes in Walnut Grove 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.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $139,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)