Home Insurance in Annapolis, Missouri
Homes in Annapolis carry a median value of $107,400 - 10% lower than the Iron County median.
The typical home in Annapolis was built around 1969. About 37% of homes were built before 1960, about 9 points above Iron County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Annapolis, the housing stock is 87% single-family homes, 3% 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.
About 15% of owner-occupied homes in Annapolis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Annapolis has an owner-occupancy rate of 48% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Annapolis, 53% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Annapolis? FEMA's National Risk Index points to earthquake (Relatively Low) in Iron County and Iron County had 41 active NFIP flood policies as of September 2026. See the full Iron County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $107,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Iron County | 41 |
| 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)