Home Insurance in Ralls County, Missouri
With a median home value of $168,200, Ralls County is 27% lower than the Missouri median.
The typical home in Ralls County was built around 1980. About 21% of homes were built before 1960, about 6 points below Missouri's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ralls County, the housing stock is 77% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ralls County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ralls County has an owner-occupancy rate of 86% and a vacancy rate of 21%; 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. In Ralls County, 42% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Ralls County's top hazards are hail (Relatively Low), earthquake (Very Low) and wildfire (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Ralls County has 22 active NFIP flood policies on file.
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 | $168,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Earthquake (Very Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 22 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)