Home Insurance in Knox City, Missouri
The median home value in Knox City is $86,100, 15% lower than the Knox County median.
The typical home in Knox City was built around 1946. About 61% of homes were built before 1960, about 18 points above Knox County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Knox City, the housing stock is 85% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Knox City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Knox City has an owner-occupancy rate of 72% and a vacancy rate of 47%; unoccupied homes typically need a different coverage form.
Most homes in Knox City - 57% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Knox County's overall risk as Very Low, led by hail (Relatively Low). Knox County had 1 active NFIP flood policy as of September 2026. See the full Knox County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $86,100 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Knox County | 1 |
| 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)