Home Insurance in Saline County, Missouri
Homes in Saline County carry a median value of $150,500 - 35% lower than the Missouri median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Saline County was built around 1970. About 36% of homes were built before 1960, about 9 points above Missouri's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Saline County is 79% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 52% of owner-occupied homes in Saline County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Saline County are owner-occupied.
In Saline County, 54% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Saline County, per FEMA's National Risk Index, are tornado (Relatively Low), earthquake (Relatively Low) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Saline County has 11 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $150,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Earthquake (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 11 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arrow Rock
- Blackburn
- Gilliam
- Grand Pass
- Malta Bend
- Marshall
- Miami
- Mount Leonard
- Nelson
- Slater
- Sweet Springs
Sources
- 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)