Home Insurance in Williamsville, Missouri
Homes in Williamsville carry a median value of $56,400 - 47% lower than the Wayne County median.
The typical home in Williamsville was built around 1975. About 29% of homes were built before 1960, about 8 points above Wayne County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Williamsville is 59% single-family homes, 2% apartments in buildings with 5+ units and 28% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Williamsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Williamsville are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Williamsville, 58% of homes 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 | $56,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)