Home Insurance in Texas County, Missouri
The median home value in Texas County is $146,700, 36% lower than the Missouri median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Texas County was built around 1979. About 26% of homes were built before 1960, about 2 points below Missouri's 27%.
The housing stock in Texas County is 79% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Texas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Texas County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Texas County, 47% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Texas County's top hazards are earthquake (Relatively Low), winter weather (Relatively Moderate) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Texas County has 15 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $146,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 15 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)