Home Insurance in Ray County, Missouri
With a median home value of $198,800, Ray County is 14% lower than the Missouri median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ray County was built around 1974. About 31% of homes were built before 1960, about 4 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 Ray County is 85% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 58% of owner-occupied homes in Ray County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Ray County are owner-occupied.
36% of homes in Ray County are primarily heated with natural gas. 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 winter weather (Relatively Moderate), hail (Relatively Low) and tornado (Relatively Low) as the leading hazards for Ray County.
As of September 2026, Ray County has 78 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $198,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 78 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
- Camden
- Crystal Lakes
- Elmira
- Excelsior Estates
- Fleming
- Hardin
- Henrietta
- Homestead
- Orrick
- Richmond
- Wood Heights
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)