Home Insurance in Grant City, Missouri
Homes in Grant City carry a median value of $68,200 - 29% lower than the Worth County median.
The typical home in Grant City was built around 1949. About 59% of homes were built before 1960, about 10 points above Worth County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Grant City, the housing stock is 70% single-family homes, 8% apartments in buildings with 5+ units and 8% 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.
About 29% of owner-occupied homes in Grant City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grant City has an owner-occupancy rate of 81% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Grant City, 48% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Grant City? FEMA's National Risk Index points to wildfire (Very Low) in Worth County and Worth County has no active NFIP flood policies on file. See the full Worth 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 | $68,200 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Wildfire (Very Low) |
| 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)