Home Insurance in Pendleton, Missouri
Homes in Pendleton carry a median value of $275,000 - 6% higher than the Warren County median.
The typical home in Pendleton was built around 1971. About 36% of homes were built before 1960, about 28 points above Warren County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Pendleton breaks down to 100% single-family homes.
100% of owner-occupied homes in Pendleton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 36% of occupied homes in Pendleton are owner-occupied.
In Pendleton, 64% of homes 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 Pendleton? FEMA's National Risk Index points to hail (Relatively Moderate) in Warren County and Warren County had 63 active NFIP flood policies as of September 2026. 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 | $275,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 100% |
| 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)