Home Insurance in Argyle, Missouri
With a median home value of $167,700, Argyle is 25% lower than the Osage County median.
The median home in Argyle was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 73% of homes were built before 1960, about 49 points above Osage County's 24%.
Housing in Argyle breaks down to 91% single-family homes.
About 51% of owner-occupied homes in Argyle have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Argyle are owner-occupied. The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
43% of homes in Argyle are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Argyle? FEMA's National Risk Index points to earthquake (Very Low) in Osage County and Osage County had 44 active NFIP flood policies as of September 2026. See the full Osage County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $167,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Osage County | 44 |
| 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)