Home Insurance in Eagleville, Missouri
The median home value in Eagleville is $81,300, 26% lower than the Harrison County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Eagleville was built around 1967. About 36% of homes were built before 1960, about 7 points below Harrison County's 44%.
The housing stock in Eagleville is 82% single-family homes and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Eagleville, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Eagleville are owner-occupied.
In Eagleville, 46% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Harrison County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Harrison County had 2 active NFIP flood policies as of September 2026. See the full Harrison 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 | $81,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Harrison County | 2 |
| 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)