Home Insurance in Maries County, Missouri
With a median home value of $219,100, Maries County is close to the Missouri median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Maries County was built around 1985. About 21% of homes were built before 1960, about 7 points below Missouri's 27%.
The housing stock in Maries County is 77% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Maries County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Maries County has an owner-occupancy rate of 78% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Maries County, 44% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Very Low), wildfire (Very Low) and tornado (Relatively Low) as the leading hazards for Maries County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Maries County has 12 active NFIP flood policies on file.
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 | $219,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Very Low), Wildfire (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)