Home Insurance in Osceola, Missouri
Homes in Osceola carry a median value of $127,000 - 19% lower than the St. Clair County median.
The typical home in Osceola was built around 1963. About 45% of homes were built before 1960, about 22 points above St. Clair County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Osceola, the housing stock is 71% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Osceola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Osceola are owner-occupied. The vacancy rate is 18%; 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. 46% of homes in Osceola are primarily heated with electricity.
FEMA rates St. Clair County's overall risk as Very Low, led by winter weather (Relatively Moderate). St. Clair County has no active NFIP flood policies on file. See the full St. Clair 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 | $127,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| 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)