Home Insurance in Granger, Missouri
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Granger was built around 1981. About 47% of homes were built before 1960, about 9 points above Scotland County's 38%.
The housing stock in Granger is 100% single-family homes.
In Granger, about 10% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Granger are owner-occupied.
Most homes in Granger - 60% - are primarily heated with wood. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Scotland County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Low). See the full Scotland 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 year built | 1981 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Hail (Relatively 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)