Home Insurance in Mayview, Missouri
With a median home value of $113,000, Mayview is 48% lower than the Lafayette County median.
The typical home in Mayview was built around 1942. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 31 points above Lafayette County's 32%.
In Mayview, the housing stock is 91% 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.
26% of owner-occupied homes in Mayview carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Mayview are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in Mayview are primarily heated with propane.
What's the biggest home insurance risk near Mayview? 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.
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 | $113,000 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)