Home Insurance in McDonald County, Missouri
The median home value in McDonald County is $154,700, 33% lower than 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 McDonald County was built around 1988. About 18% of homes were built before 1960, about 9 points below Missouri's 27%.
In McDonald County, the housing stock is 61% single-family homes, 4% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in McDonald County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McDonald County has an owner-occupancy rate of 67% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
50% of homes in McDonald County 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 strong wind (Relatively Moderate), inland flooding (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for McDonald County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, McDonald County has 78 active NFIP flood policies on file.
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 | $154,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 78 |
| 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)