Home Insurance in Concordia, Missouri
Homes in Concordia carry a median value of $166,500 - 23% lower than the Lafayette County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Concordia was built around 1963. About 43% of homes were built before 1960, about 11 points above Lafayette County's 32%.
In Concordia, the housing stock is 76% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Concordia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Concordia are owner-occupied.
Most homes in Concordia - 68% - are primarily heated with natural gas.
What's the biggest home insurance risk near Concordia? FEMA's National Risk Index points to tornado (Relatively Moderate) in Lafayette County and Lafayette County had 6 active NFIP flood policies as of September 2026. See the full Lafayette 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 | $166,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Lafayette County | 6 |
| 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)