Home Insurance in Montrose, Missouri
With a median home value of $92,500, Montrose is 42% lower than the Henry County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Montrose was built around 1968. About 40% of homes were built before 1960, about 12 points above Henry County's 28%.
The housing stock in Montrose is 74% single-family homes and 5% 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.
In Montrose, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Montrose has an owner-occupancy rate of 67% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Montrose - 53% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Henry County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Henry County had 25 active NFIP flood policies as of September 2026. See the full Henry 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 | $92,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Henry County | 25 |
| 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)