Home Insurance in Meadville, Missouri
With a median home value of $130,800, Meadville is 6% higher than the Linn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Meadville was built around 1964. About 37% of homes were built before 1960, about 6 points below Linn County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Meadville is 84% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Meadville, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Meadville has an owner-occupancy rate of 74% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Meadville - 70% - 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.
Linn County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Linn County had 4 active NFIP flood policies as of September 2026. See the full Linn 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 | $130,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Linn County | 4 |
| 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)