Home Insurance in Wellington, Missouri
With a median home value of $144,200, Wellington is 33% 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 Wellington was built around 1964. About 48% of homes were built before 1960, about 15 points above Lafayette County's 32%.
The housing stock in Wellington is 86% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Wellington, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Wellington are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Wellington are primarily heated with propane.
FEMA rates Lafayette County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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 | $144,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)