Home Insurance in Kelso, Missouri
The median home value in Kelso is $215,400, 40% higher than the Scott 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 Kelso was built around 1982. About 22% of homes were built before 1960, about 3 points below Scott County's 25%.
In Kelso, the housing stock is 81% single-family homes and 18% apartments in buildings with 5+ units.
About 57% of owner-occupied homes in Kelso have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kelso has an owner-occupancy rate of 65% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
58% of homes in Kelso are primarily heated with electricity.
FEMA rates Scott County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Scott County had 788 active NFIP flood policies as of September 2026. See the full Scott County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $215,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Scott County | 788 |
| 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)