Home Insurance in Ellington, Missouri
With a median home value of $71,300, Ellington is 53% lower than the Reynolds County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ellington was built around 1971. About 25% of homes were built before 1960, in line with Reynolds County (25%).
In Ellington, the housing stock is 78% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ellington, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ellington has an owner-occupancy rate of 56% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
63% of homes in Ellington 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.
Reynolds County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $71,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)