Home Insurance in Greenville, Missouri
The median home value in Greenville is $97,700, 9% lower than the Wayne County median.
The typical home in Greenville was built around 1973. About 47% of homes were built before 1960, about 26 points above Wayne County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Greenville is 74% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Greenville, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greenville has an owner-occupancy rate of 66% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
69% of homes in Greenville are primarily heated with electricity.
FEMA rates Wayne County's overall risk as Relatively Low, led by earthquake (Relatively Low). Wayne County had 70 active NFIP flood policies as of September 2026. See the full Wayne County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $97,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Wayne County | 70 |
| 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)