Home Insurance in Paris, Missouri
With a median home value of $131,200, Paris is 12% lower than the Monroe County median.
The typical home in Paris was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 18 points above Monroe County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Paris is 90% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
48% of owner-occupied homes in Paris carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Paris are owner-occupied.
Most homes in Paris - 77% - are primarily heated with natural gas.
What's the biggest home insurance risk near Paris? FEMA's National Risk Index points to earthquake (Very Low) in Monroe County and Monroe County had 4 active NFIP flood policies as of September 2026. 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.
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 | $131,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)