Home Insurance in Scott City, Missouri
The median home value in Scott City is $147,500, close to the Scott County median.
The typical home in Scott City was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 12 points above Scott County's 25%.
In Scott City, the housing stock is 82% single-family homes, 1% 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 City, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Scott City has an owner-occupancy rate of 72% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
49% of homes in Scott City are primarily heated with electricity.
Scott County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $147,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)