Home Insurance in Wright City, Missouri
Homes in Wright City carry a median value of $238,800 - 8% 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 Wright City was built around 2007. About 12% of homes were built before 1960, about 4 points above Warren County's 8%.
Housing in Wright City breaks down to 88% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Wright City, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Wright City are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wright City - 61% - 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.
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 | $238,800 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)