Home Insurance in Glasgow, Missouri
The median home value in Glasgow is $122,600, 23% lower than the Howard County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Glasgow was built around 1964. About 41% of homes were built before 1960, about 5 points above Howard County's 36%.
The housing stock in Glasgow is 83% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Glasgow, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Glasgow has an owner-occupancy rate of 82% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Glasgow, 60% of homes are primarily heated with natural gas.
Howard County had 17 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Howard 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 | $122,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Howard County | 17 |
| 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)