Home Insurance in Roscoe, Missouri
Homes in Roscoe carry a median value of $71,300 - 55% lower than the St. Clair County median.
The median home in Roscoe was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 74% of homes were built before 1960, about 50 points above St. Clair County's 24%.
The housing stock in Roscoe is 88% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Roscoe, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roscoe has an owner-occupancy rate of 81% and a vacancy rate of 51%; unoccupied homes typically need a different coverage form.
58% of homes in Roscoe are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
St. Clair County has no active NFIP flood policies on file. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full St. Clair County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $71,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)