Home Insurance in Farley, Missouri
Homes in Farley carry a median value of $233,900 - 32% lower than the Platte County median.
The typical home in Farley was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 27 points above Platte County's 11%.
In Farley, the housing stock is 97% single-family homes and 2% mobile or manufactured homes.
In Farley, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Farley has an owner-occupancy rate of 89% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
44% of homes in Farley are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Platte County's overall risk as Relatively Low, led by hail (Relatively Moderate). Platte County had 161 active NFIP flood policies as of September 2026. See the full Platte County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $233,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Platte County | 161 |
| 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)