Home Insurance in Lupus, Missouri
The median home value in Lupus is $87,500, 52% lower than the Moniteau County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Lupus was built in 1939 or earlier. About 87% of homes were built before 1960, about 62 points above Moniteau County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lupus is 96% single-family homes and 4% mobile or manufactured homes.
About 47% of owner-occupied homes in Lupus have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Lupus are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 65% of homes in Lupus are primarily heated with propane.
What's the biggest home insurance risk near Lupus? FEMA's National Risk Index points to wildfire (Relatively Low) in Moniteau County and 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 | $87,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)