Home Insurance in Sedalia, Missouri
The median home value in Sedalia is $143,000, 14% lower than the Pettis County median.
The typical home in Sedalia was built around 1964. About 45% of homes were built before 1960, about 11 points above Pettis County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Sedalia, the housing stock is 76% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Sedalia, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in Sedalia are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Sedalia are primarily heated with natural gas.
FEMA rates Pettis County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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.
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 | $143,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)