Home Insurance in Verona, Missouri
Homes in Verona carry a median value of $90,000 - 49% lower than the Lawrence County median.
The typical home in Verona was built around 1965. About 42% of homes were built before 1960, about 15 points above Lawrence County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Verona is 78% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Verona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Verona are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Verona - 62% - are primarily heated with natural gas.
Lawrence County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Lawrence County had 56 active NFIP flood policies as of September 2026. See the full Lawrence 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 | $90,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lawrence County | 56 |
| 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)