Home Insurance in Knob Noster, Missouri
Homes in Knob Noster carry a median value of $202,600 - 14% lower than the Johnson County median.
The typical home in Knob Noster was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, in line with Johnson County (17%).
In Knob Noster, the housing stock is 67% single-family homes, 12% apartments in buildings with 5+ units and 4% 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.
63% of owner-occupied homes in Knob Noster carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Knob Noster has an owner-occupancy rate of 54% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
55% of homes in Knob Noster are primarily heated with electricity.
FEMA rates Johnson County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Johnson County had 69 active NFIP flood policies as of September 2026. See the full Johnson 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 | $202,600 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Johnson County | 69 |
| 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)