Home Insurance in Willard, Missouri
With a median home value of $212,900, Willard is close to the Greene County median.
The typical home in Willard was built around 1998. About 6% of homes were built before 1960, about 15 points below Greene County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Willard is 81% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Willard, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Willard are owner-occupied.
Most homes in Willard - 69% - are primarily heated with natural gas.
Greene County had 223 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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 | $212,900 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)