Home Insurance in Scott County, Missouri
The median home value in Scott County is $154,400, 33% lower than the Missouri median.
The typical home in Scott County was built around 1976. About 25% of homes were built before 1960, about 2 points below Missouri's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Scott County, the housing stock is 79% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Scott County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Scott County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Scott County - 57% - are primarily heated with electricity.
Per FEMA's National Risk Index, Scott County's top hazards are earthquake (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Scott County had 788 active National Flood Insurance Program policies as of September 2026. 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 | $154,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 788 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
- Benton
- Blodgett
- Chaffee
- Commerce
- Diehlstadt
- Haywood City
- Kelso
- Miner
- Morley
- Oran
- Scott City
- Sikeston
- Vanduser
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)