Home Insurance in Forsyth, Missouri
Homes in Forsyth carry a median value of $192,600 - 12% lower than the Taney County median.
The typical home in Forsyth was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, in line with Taney County (7%).
Housing in Forsyth breaks down to 58% single-family homes and 32% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in Forsyth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Forsyth are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 89% of homes in Forsyth are primarily heated with electricity.
Taney County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Taney County had 423 active NFIP flood policies as of September 2026. See the full Taney County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $192,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Taney County | 423 |
| 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)