Home Insurance in Sheridan, Missouri
With a median home value of $45,400, Sheridan is 53% lower than the Worth County median.
The typical home in Sheridan was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 8 points above Worth County's 49%.
The housing stock in Sheridan is 86% single-family homes. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Sheridan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sheridan has an owner-occupancy rate of 58% and a vacancy rate of 43%; unoccupied homes typically need a different coverage form.
Most homes in Sheridan - 58% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Sheridan? 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 | $45,400 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)