Home Insurance in Randolph County, Missouri
Homes in Randolph County carry a median value of $159,300 - 31% lower than the Missouri median.
The typical home in Randolph County was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, about 7 points above Missouri's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Randolph County is 74% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Randolph County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Randolph County has an owner-occupancy rate of 71% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Randolph County, 49% of homes 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.
FEMA's National Risk Index lists tornado (Relatively Moderate), earthquake (Relatively Low) and hail (Relatively Low) as the leading hazards for Randolph County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Randolph County has 7 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $159,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Cairo
- Median home value: $134,400
- Median year built: 1970
- Owner-occupied share: 90%
-
Clifton Hill
- Median year built: 1939 or earlier
- Owner-occupied share: 92%
- Share of owner-occupied homes with a mortgage: 65%
-
Jacksonville
- Median year built: 1939 or earlier
- Owner-occupied share: 88%
- Share of owner-occupied homes with a mortgage: 56%
-
Renick
- Median home value: $106,300
- Median year built: 1965
- Owner-occupied share: 92%
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)