Home Insurance in Grand Pass, Missouri
With a median home value of $63,000, Grand Pass is 58% lower than the Saline County median.
The typical home in Grand Pass was built around 1998. About 42% of homes were built before 1960, about 6 points above Saline County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Grand Pass is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 19% of owner-occupied homes in Grand Pass have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grand Pass has an owner-occupancy rate of 94% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Grand Pass, 71% of homes 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.
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 | $63,000 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)