Home Insurance in Miami, Missouri
The median home value in Miami is $156,900, close to the Saline County median.
The median home in Miami was built in 1939 or earlier. About 56% of homes were built before 1960, about 20 points above Saline County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Miami is 82% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Miami, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Miami has an owner-occupancy rate of 81% and a vacancy rate of 58%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 65% of homes in Miami are primarily heated with propane.
Saline County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). 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 | $156,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)