Home Insurance in La Monte, Missouri
With a median home value of $110,900, La Monte is 33% lower than the Pettis County median.
The typical home in La Monte was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, in line with Pettis County (34%).
The housing stock in La Monte is 82% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in La Monte carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
La Monte has an owner-occupancy rate of 68% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In La Monte, 55% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near La Monte? FEMA's National Risk Index points to tornado (Relatively Moderate) in Pettis County and Pettis County had 41 active NFIP flood policies as of September 2026. See the full Pettis County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $110,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Pettis County | 41 |
| 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)