Home Insurance in Mansfield, Missouri
Homes in Mansfield carry a median value of $94,800 - 41% lower than the Wright County median.
The typical home in Mansfield was built around 1969. About 37% of homes were built before 1960, about 8 points above Wright County's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Mansfield is 72% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Mansfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mansfield has an owner-occupancy rate of 50% and a vacancy rate of 8%; 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 Mansfield, 42% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Mansfield? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Wright County and Wright County had 3 active NFIP flood policies as of September 2026. See the full Wright County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $94,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Wright County | 3 |
| 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)