Home Insurance in Summersville, Missouri
With a median home value of $67,500, Summersville is 54% lower than the Texas County median.
The typical home in Summersville was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 6 points above Texas County's 26%.
The housing stock in Summersville is 77% single-family homes 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 49% of owner-occupied homes in Summersville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Summersville are owner-occupied.
Most homes in Summersville - 53% - are primarily heated with electricity. Homes heated with propane and wood 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 Summersville? 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 | $67,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)