Home Insurance in Marthasville, Missouri
The median home value in Marthasville is $182,900, 30% lower than the Warren County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Marthasville was built around 1988. About 15% of homes were built before 1960, about 7 points above Warren County's 8%.
In Marthasville, the housing stock is 89% single-family homes. The rest are 2-4 unit or other housing types.
81% of owner-occupied homes in Marthasville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Marthasville has an owner-occupancy rate of 83% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Marthasville - 86% - are primarily heated with electricity.
Warren County had 63 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Warren 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 home value | $182,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Warren County | 63 |
| 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)