Home Insurance in Worth, Missouri
The typical home in Worth was built around 1962. About 46% of homes were built before 1960, about 3 points below Worth County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Worth is 54% single-family homes and 46% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Worth, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Worth has an owner-occupancy rate of 100% and a vacancy rate of 54%; unoccupied homes typically need a different coverage form.
Most homes in Worth - 55% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Worth County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. 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 year built | 1962 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)