Home Insurance in Arrow Rock, Missouri
With a median home value of $278,800, Arrow Rock is 85% higher than the Saline County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Arrow Rock was built in 1939 or earlier. About 77% of homes were built before 1960, about 41 points above Saline County's 36%.
Housing in Arrow Rock breaks down to 99% single-family homes and 1% apartments in buildings with 5+ units.
About 40% of owner-occupied homes in Arrow Rock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Arrow Rock has an owner-occupancy rate of 100% and a vacancy rate of 57%; unoccupied homes typically need a different coverage form.
80% of homes in Arrow Rock are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Saline County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Saline County had 11 active NFIP flood policies as of September 2026. See the full Saline County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $278,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Saline County | 11 |
| 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)