Home Insurance in Slater, Missouri
With a median home value of $85,300, Slater is 43% lower than the Saline County median.
The typical home in Slater was built around 1963. About 45% of homes were built before 1960, about 9 points above Saline County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Slater is 77% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 49% of owner-occupied homes in Slater have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Slater are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Slater are primarily heated with natural gas.
FEMA rates Saline County's overall risk as Relatively Low, led by tornado (Relatively Low). 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.
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 | $85,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)