Home Insurance in Montgomery County, Missouri
With a median home value of $178,700, Montgomery County is 22% lower than the Missouri median.
The typical home in Montgomery County was built around 1978. About 26% of homes were built before 1960, about 1 point below Missouri's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Montgomery County is 80% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Montgomery County, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Montgomery County 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. Most homes in Montgomery County - 50% - are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), hail (Relatively Low) and inland flooding (Relatively Low) as the leading hazards for Montgomery County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Montgomery County had 7 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $178,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hail (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bellflower
- High Hill
- Jonesburg
- McKittrick
- Middletown
- Montgomery City
- New Florence
- Rhineland
- Wellsville
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)