Home Insurance in Diggins, Missouri
The median home value in Diggins is $170,800, 25% lower than the Webster County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Diggins was built around 1979. About 17% of homes were built before 1960, about 3 points above Webster County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Diggins is 83% single-family homes and 13% mobile or manufactured homes.
55% of owner-occupied homes in Diggins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Diggins are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Diggins are primarily heated with natural gas.
What's the biggest home insurance risk near Diggins? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Webster County and Webster County had 11 active NFIP flood policies as of September 2026. See the full Webster County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $170,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Webster County | 11 |
| 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)