Home Insurance in Monroe City, Missouri
Homes in Monroe City carry a median value of $159,300 - 7% higher than the Monroe 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 Monroe City was built around 1974. About 28% of homes were built before 1960, about 5 points below Monroe County's 33%.
The housing stock in Monroe City is 60% single-family homes, 10% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Monroe City, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Monroe City has an owner-occupancy rate of 47% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Monroe City, 54% of homes are primarily heated with natural gas.
Monroe County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very Low). See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $159,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Monroe County | 4 |
| 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)