Home Insurance in Ridgeway, Missouri
With a median home value of $83,100, Ridgeway is 24% 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 Ridgeway was built around 1956. About 52% of homes were built before 1960, about 8 points above Harrison County's 44%.
In Ridgeway, the housing stock is 78% single-family homes and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Ridgeway carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Ridgeway are owner-occupied.
In Ridgeway, 48% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Harrison County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Harrison 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 | $83,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)