Home Insurance in Wilson City, Missouri
With a median home value of $61,200, Wilson City is 44% lower than the Mississippi County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Wilson City was built around 1960. About 50% of homes were built before 1960, about 22 points above Mississippi County's 28%.
In Wilson City, the housing stock is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Wilson City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wilson City has an owner-occupancy rate of 89% and a vacancy rate of 26%; 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. Most homes in Wilson City - 52% - are primarily heated with electricity.
What's the biggest home insurance risk near Wilson City? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Mississippi County and Mississippi County had 275 active NFIP flood policies as of September 2026. See the full Mississippi County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $61,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Mississippi County | 275 |
| 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)