Home Insurance in Vienna, Missouri
The median home value in Vienna is $159,400, 27% lower than the Maries County median.
The typical home in Vienna was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, in line with Maries County (21%).
In Vienna, the housing stock is 44% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Vienna, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 44% of occupied homes in Vienna are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Vienna - 59% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Vienna? FEMA's National Risk Index points to earthquake (Very Low) in Maries County and Maries County had 12 active NFIP flood policies as of September 2026. See the full Maries County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $159,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Maries County | 12 |
| 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)