Home Insurance in Downing, Missouri
Homes in Downing carry a median value of $79,200 - 42% lower than the Schuyler County median.
The typical home in Downing was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 59% of homes were built before 1960, about 14 points above Schuyler County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Downing is 70% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 16% of owner-occupied homes in Downing have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Downing has an owner-occupancy rate of 70% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Downing - 54% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Schuyler County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Schuyler County has no active NFIP flood policies on file. See the full Schuyler 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 | $79,200 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Wildfire (Very Low) |
| 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)