Home Insurance in Pickering, Missouri
The median home value in Pickering is $102,500, 42% lower than the Nodaway County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pickering was built around 1952. About 74% of homes were built before 1960, about 43 points above Nodaway County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pickering is 93% single-family homes and 7% mobile or manufactured homes.
About 51% of owner-occupied homes in Pickering have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pickering has an owner-occupancy rate of 76% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Pickering - 54% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Nodaway County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Nodaway County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $102,500 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)