Home Insurance in Warrenton, Missouri
The median home value in Warrenton is $204,800, 21% lower than the Warren County median.
The typical home in Warrenton was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 3 points above Warren County's 8%.
The housing stock in Warrenton is 77% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Warrenton, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Warrenton has an owner-occupancy rate of 65% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
73% of homes in Warrenton are primarily heated with electricity.
Warren County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $204,800 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)