Home Insurance in Trenton, Missouri
The median home value in Trenton is $99,500, 12% lower than the Grundy County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Trenton was built around 1962. About 47% of homes were built before 1960, about 1 point above Grundy County's 45%.
In Trenton, the housing stock is 79% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 39% of owner-occupied homes in Trenton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Trenton has an owner-occupancy rate of 61% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Trenton - 55% - are primarily heated with natural gas.
Grundy County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Grundy County had 4 active NFIP flood policies as of September 2026. See the full Grundy 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 | $99,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Grundy County | 4 |
| 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)