Home Insurance in Warrensburg, Missouri
With a median home value of $222,200, Warrensburg is 6% lower than the Johnson County median.
The typical home in Warrensburg was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, about 3 points above Johnson County's 17%.
The housing stock in Warrensburg is 61% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Warrensburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Warrensburg are owner-occupied.
52% of homes in Warrensburg are primarily heated with natural gas.
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.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $222,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)