Home Insurance in California, Missouri
With a median home value of $152,700, California is 16% lower than the Moniteau County median.
The typical home in California was built around 1970. About 35% of homes were built before 1960, about 10 points above Moniteau County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In California, the housing stock is 78% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in California carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in California are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in California are primarily heated with natural gas.
FEMA rates Moniteau County's overall risk as Very Low, led by wildfire (Relatively Low). Moniteau County had 8 active NFIP flood policies as of September 2026. See the full Moniteau County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $152,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Moniteau County | 8 |
| 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)