Home Insurance in Montgomery City, Missouri
With a median home value of $161,100, Montgomery City is 10% lower than the Montgomery County median.
The typical home in Montgomery City was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 1 point above Montgomery County's 26%.
The housing stock in Montgomery City is 77% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
55% of owner-occupied homes in Montgomery City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Montgomery City are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Montgomery City, 50% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Montgomery City? FEMA's National Risk Index points to earthquake (Relatively Low) in Montgomery County and Montgomery County had 7 active NFIP flood policies as of September 2026. 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.
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 | $161,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)