Home Insurance in Powersville, Missouri
Homes in Powersville carry a median value of $36,900 - 69% lower than the Putnam County median.
The typical home in Powersville was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 23 points above Putnam County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Powersville is 61% single-family homes and 39% mobile or manufactured homes.
Almost no owner-occupied homes in Powersville carry a mortgage.
Powersville has an owner-occupancy rate of 86% and a vacancy rate of 46%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Powersville - 83% - are primarily heated with propane.
What's the biggest home insurance risk near Powersville? FEMA's National Risk Index points to tornado (Relatively Low) in Putnam County and Putnam County had 1 active NFIP flood policy as of September 2026. See the full Putnam 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 | $36,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Putnam County | 1 |
| 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)