Home Insurance in Perry, Missouri
Homes in Perry carry a median value of $112,100 - 33% lower than the Ralls County median.
The typical home in Perry was built around 1964. About 45% of homes were built before 1960, about 24 points above Ralls County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Perry is 78% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Perry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Perry has an owner-occupancy rate of 69% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
59% of homes in Perry are primarily heated with natural gas.
Ralls County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Ralls County had 22 active NFIP flood policies as of September 2026. See the full Ralls 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 | $112,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Ralls County | 22 |
| 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)