Home Insurance in Moniteau County, Missouri
Homes in Moniteau County carry a median value of $181,900 - 21% lower than the Missouri median.
The typical home in Moniteau County was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 2 points below Missouri's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moniteau County is 82% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
53% of owner-occupied homes in Moniteau County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Moniteau County has an owner-occupancy rate of 79% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Moniteau County are primarily heated with natural gas.
Per FEMA's National Risk Index, Moniteau County's top hazards are wildfire (Relatively Low), earthquake (Very Low) and tornado (Relatively Low). 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, Moniteau County has 8 active NFIP flood policies on file.
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 | $181,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 8 |
| 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)