Home Insurance in Maryville, Missouri
With a median home value of $189,400, Maryville is 7% higher than the Nodaway County median.
The typical home in Maryville was built around 1979. About 25% of homes were built before 1960, about 5 points below Nodaway County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Maryville is 62% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Maryville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Maryville has an owner-occupancy rate of 47% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Maryville, 56% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Maryville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Nodaway County and Nodaway County had 7 active NFIP flood policies as of September 2026. See the full Nodaway County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $189,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Nodaway 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)