Home Insurance in Osgood, Missouri
The typical home in Osgood was built around 1954. About 95% of homes were built before 1960, about 51 points above Sullivan County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Osgood is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Osgood carry a mortgage.
The vacancy rate is 86%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Osgood are owner-occupied.
Most homes in Osgood - 67% - 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.
FEMA rates Sullivan County's overall risk as Very Low, led by tornado (Relatively Low). Sullivan County has no active NFIP flood policies on file. See the full Sullivan County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median year built | 1954 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Tornado (Relatively Low) |
| 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)