Home Insurance in Westphalia, Missouri
With a median home value of $202,600, Westphalia is 9% lower than the Osage County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Westphalia was built around 1952. About 65% of homes were built before 1960, about 40 points above Osage County's 24%.
The housing stock in Westphalia is 79% single-family homes. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Westphalia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Westphalia are owner-occupied.
In Westphalia, 47% of homes 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.
Osage County had 44 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very Low). 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.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $202,600 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)