Home Insurance in McKittrick, Missouri
With a median home value of $137,500, McKittrick is 23% lower than the Montgomery County median.
The typical home in McKittrick was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 69% of homes were built before 1960, about 43 points above Montgomery County's 26%.
Housing in McKittrick breaks down to 83% single-family homes. The rest are 2-4 unit or other housing types.
About 11% of owner-occupied homes in McKittrick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 35% of occupied homes in McKittrick are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In McKittrick, 46% of homes are primarily heated with propane.
Montgomery County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $137,500 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Montgomery County | 7 |
| 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)