Home Insurance in Marion County, Missouri
Homes in Marion County carry a median value of $162,000 - 30% lower than the Missouri median.
The typical home in Marion County was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 12 points above Missouri's 27%.
In Marion County, the housing stock is 76% single-family homes, 8% apartments in buildings with 5+ units and 5% 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 Marion County, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Marion County has an owner-occupancy rate of 69% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Marion County, 55% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Marion County's top hazards are strong wind (Relatively Moderate), hail (Relatively Low) and inland flooding (Relatively Low).
Marion County had 94 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $162,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 94 |
| 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)