Home Insurance in Queen City, Missouri
Homes in Queen City carry a median value of $66,900 - 51% lower than the Schuyler County median.
The typical home in Queen City was built around 1964. About 43% of homes were built before 1960, about 2 points below Schuyler County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Queen City, the housing stock is 77% single-family homes, 2% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Queen City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Queen City has an owner-occupancy rate of 67% and a vacancy rate of 31%; 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. In Queen City, 66% of homes are primarily heated with electricity.
FEMA rates Schuyler County's overall risk as Very Low, led by wildfire (Very Low). 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 | $66,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)