HomeInsuranceQts

Home Insurance in South Gorin, Missouri

Homes in South Gorin carry a median value of $410,000 - 158% higher than the Scotland County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in South Gorin was built around 1944. About 70% of homes were built before 1960, about 32 points above Scotland County's 38%.

Housing in South Gorin breaks down to 97% single-family homes.

In South Gorin, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

South Gorin has an owner-occupancy rate of 93% and a vacancy rate of 52%; 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. Most homes in South Gorin - 59% - are primarily heated with electricity.

FEMA rates Scotland County's overall risk as Very Low, led by hail (Relatively Low). Scotland County has no active NFIP flood policies on file. 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 home value$410,000
Median year built1944
Owner-occupied share93%
Share of owner-occupied homes with a mortgage11%
Top county hazardHail (Relatively Low)
Home insurance premium$1,589 - statewide average (NAIC, 2023 data)
Key home insurance figures for South Gorin, MO

Nearby towns

Sources

Data last updated: 2026-09-29