Home Insurance in Cabool, Missouri
Homes in Cabool carry a median value of $130,000 - 11% lower than the Texas County median.
The typical home in Cabool was built around 1975. About 27% of homes were built before 1960, about 1 point above Texas County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cabool, the housing stock is 67% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Cabool, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cabool has an owner-occupancy rate of 53% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Cabool - 53% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Cabool? FEMA's National Risk Index points to earthquake (Relatively Low) in Texas County and Texas County had 15 active NFIP flood policies as of September 2026. See the full Texas County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $130,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Texas County | 15 |
| 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)