Home Insurance in Centerville, Missouri
The median home value in Centerville is $63,100, 58% lower than the Reynolds County median.
The typical home in Centerville was built around 1959. About 54% of homes were built before 1960, about 29 points above Reynolds County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Centerville is 72% single-family homes, 9% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
In Centerville, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Centerville are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Centerville, 41% of homes are primarily heated with propane.
FEMA rates Reynolds County's overall risk as Relatively Low, led by earthquake (Relatively Low). Reynolds County had 28 active NFIP flood policies as of September 2026. See the full Reynolds County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $63,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Reynolds County | 28 |
| 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)