Home Insurance in Scotland County, Missouri
With a median home value of $158,800, Scotland County is 31% lower than the Missouri median.
The typical home in Scotland County was built around 1971. About 38% of homes were built before 1960, about 11 points above Missouri's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scotland County is 82% single-family homes, 3% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
46% of owner-occupied homes in Scotland County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Scotland County are owner-occupied.
42% of homes in Scotland County are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Scotland County's top hazards are hail (Relatively Low), wildfire (Very Low) and tornado (Relatively Low).
Scotland County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $158,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Tornado (Relatively Low) |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)