Home Insurance in Potosi, Missouri
With a median home value of $110,100, Potosi is 15% lower than the Washington County median.
The typical home in Potosi was built around 1960. About 50% of homes were built before 1960, about 30 points above Washington County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Potosi, the housing stock is 71% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Potosi have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Potosi are owner-occupied.
53% of homes in Potosi are primarily heated with electricity.
FEMA rates Washington County's overall risk as Relatively Low, led by earthquake (Relatively Low). Washington County had 13 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $110,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Washington County | 13 |
| 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)