Home Insurance in Morrisville, Missouri
Homes in Morrisville carry a median value of $151,300 - 26% lower than the Polk County median.
The typical home in Morrisville was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 19 points above Polk County's 17%.
The housing stock in Morrisville is 60% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Morrisville, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Morrisville has an owner-occupancy rate of 49% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Morrisville, 50% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Polk County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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 | $151,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)