Home Insurance in Utica, Missouri
Homes in Utica carry a median value of $112,500 - 24% lower than the Livingston County median.
The typical home in Utica was built around 1963. About 39% of homes were built before 1960, in line with Livingston County (40%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Utica is 87% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
31% of owner-occupied homes in Utica carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Utica are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Utica - 66% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Livingston County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Livingston County had 2 active NFIP flood policies as of September 2026. See the full Livingston 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 | $112,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Livingston County | 2 |
| 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)