Home Insurance in La Grange, Missouri
With a median home value of $92,000, La Grange is 29% lower than the Lewis County median.
The typical home in La Grange was built around 1964. About 39% of homes were built before 1960, about 6 points above Lewis County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In La Grange, the housing stock is 81% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In La Grange, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
La Grange has an owner-occupancy rate of 78% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
57% of homes in La Grange are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lewis County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Lewis County had 59 active NFIP flood policies as of September 2026. See the full Lewis 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 | $92,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Lewis County | 59 |
| 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)