Home Insurance in Wood Heights, Missouri
The median home value in Wood Heights is $212,800, 7% higher than the Ray County median.
The typical home in Wood Heights was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 23 points below Ray County's 31%.
The housing stock in Wood Heights is 100% single-family homes.
71% of owner-occupied homes in Wood Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Wood Heights are owner-occupied.
Most homes in Wood Heights - 76% - are primarily heated with natural gas.
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.
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 | $212,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)