Home Insurance in Evergreen, Missouri
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Evergreen was built around 1975. About 44% of homes were built before 1960, about 21 points above Laclede County's 23%.
The housing stock in Evergreen is 100% single-family homes.
Almost no owner-occupied homes in Evergreen carry a mortgage.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 9% of occupied homes in Evergreen are owner-occupied.
Most homes in Evergreen - 83% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Laclede County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Laclede County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 year built | 1975 |
|---|---|
| Owner-occupied share | 9% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Laclede County | 32 |
| 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)