Home Insurance in Excelsior Estates, Missouri
Homes in Excelsior Estates carry a median value of $53,500 - 73% lower than the Ray County median.
The typical home in Excelsior Estates was built around 1991. About 4% of homes were built before 1960, about 27 points below Ray County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Excelsior Estates is 15% single-family homes and 85% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Excelsior Estates carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Excelsior Estates has an owner-occupancy rate of 40% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Excelsior Estates - 91% - 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.
Ray County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Ray County had 78 active NFIP flood policies as of September 2026. See the full Ray County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $53,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Ray County | 78 |
| 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)