Home Insurance in Aldrich, Missouri
With a median home value of $133,900, Aldrich is 35% lower than the Polk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Aldrich was built around 1978. About 32% of homes were built before 1960, about 15 points above Polk County's 17%.
In Aldrich, the housing stock is 100% single-family homes.
In Aldrich, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Aldrich has an owner-occupancy rate of 94% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
48% of homes in Aldrich are primarily heated with electricity. Homes heated with propane and fuel oil 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 Aldrich? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Polk County and Polk County had 7 active NFIP flood policies as of September 2026. See the full Polk 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 | $133,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Polk County | 7 |
| 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)