Home Insurance in Richland, Missouri
With a median home value of $76,100, Richland is 60% lower than the Pulaski County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Richland was built around 1972. About 39% of homes were built before 1960, about 28 points above Pulaski County's 11%.
The housing stock in Richland is 76% single-family homes, 6% apartments in buildings with 5+ units and 4% 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.
46% of owner-occupied homes in Richland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Richland has an owner-occupancy rate of 68% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
45% of homes in Richland are primarily heated with electricity. Homes heated with propane 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 Richland? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Pulaski County and Pulaski County had 74 active NFIP flood policies as of September 2026. See the full Pulaski 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 | $76,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Pulaski County | 74 |
| 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)