Home Insurance in Orrick, Missouri
Homes in Orrick carry a median value of $139,600 - 30% lower than the Ray County median.
The typical home in Orrick was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 15 points above Ray County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Orrick is 86% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
54% of owner-occupied homes in Orrick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Orrick has an owner-occupancy rate of 74% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Orrick, 54% of homes are primarily heated with propane.
What's the biggest home insurance risk near Orrick? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Ray County and 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.
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 | $139,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)