Home Insurance in Worth County, Missouri
The median home value in Worth County is $96,600, 58% lower than the Missouri median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Worth County was built around 1961. About 49% of homes were built before 1960, about 22 points above Missouri's 27%.
In Worth County, the housing stock is 82% single-family homes, 3% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 26% of owner-occupied homes in Worth County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Worth County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Worth County, 35% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Worth County's top hazards are wildfire (Very Low), tornado (Very Low) and hail (Very Low).
Worth County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $96,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Tornado (Very Low), Hail (Very Low) |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)