Home Insurance in Oregon County, Missouri
The median home value in Oregon County is $113,300, 51% lower than the Missouri median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Oregon County was built around 1978. About 26% of homes were built before 1960, about 1 point below Missouri's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oregon County is 74% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
35% of owner-occupied homes in Oregon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Oregon County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Oregon County, 41% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Low) and wildfire (Very Low) as the leading hazards for Oregon County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Oregon County had 14 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $113,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 14 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Koshkonong
- Median home value: $62,900
- Median year built: 1960
- Owner-occupied share: 64%
-
Thayer
- Median home value: $67,500
- Median year built: 1971
- Owner-occupied share: 68%
Sources
- 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)