Home Insurance in Raytown, Missouri
With a median home value of $182,900, Raytown is 21% lower than the Jackson County median.
The typical home in Raytown was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 9 points above Jackson County's 36%.
Housing in Raytown breaks down to 85% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
65% of owner-occupied homes in Raytown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Raytown are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Raytown - 82% - are primarily heated with natural gas.
Jackson County had 888 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Jackson 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 | $182,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Jackson County | 888 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
- Unity Village
- Lee's Summit
- Lake Tapawingo
- Grandview
- Independence
- Kansas City
- Sugar Creek
- Blue Springs
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)