Home Insurance in Laurie, Missouri
The median home value in Laurie is $187,200, close to the Morgan County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Laurie was built around 1991. About 5% of homes were built before 1960, about 13 points below Morgan County's 18%.
The housing stock in Laurie is 67% single-family homes, 10% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Laurie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Laurie has an owner-occupancy rate of 75% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
85% of homes in Laurie are primarily heated with electricity.
Morgan County had 77 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Morgan County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $187,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Morgan County | 77 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
- Sunrise Beach
- Village of Four Seasons
- Gravois Mills
- Friedenswald
- Lake Ozark
- Osage Beach
- Bagnell
- Linn Creek
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)