Home Insurance in Preston, Missouri
Homes in Preston carry a median value of $179,900 - close to the Hickory County median.
The typical home in Preston was built around 1975. About 41% of homes were built before 1960, about 27 points above Hickory County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Preston is 66% single-family homes, 2% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Preston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Preston has an owner-occupancy rate of 61% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Preston, 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.
FEMA rates Hickory County's overall risk as Very Low, led by wildfire (Relatively Low). Hickory County has no active NFIP flood policies on file. See the full Hickory County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $179,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)