Home insurance costs & natural hazards in Missouri
Plain facts for Missouri homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Missouri at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Missouri pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Missouri ZIP code saw homeowners premiums of $1,989 per policy in 2022, 28% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 10% between 2018 and 2022. The figures come from 701 Missouri ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 10,023 single-family NFIP policies took effect in Missouri in 2025, at an average full cost of $1,269, compared with $1,056 in 2022. About 71% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Missouri's 115 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, strong wind and lightning. Open any county for its full hazard profile.
Hazards across Missouri's counties
Missouri counties
All 115 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adair County | $1,725 | — | Very Low |
| Andrew County | $2,045 | $1,344 | Very Low |
| Atchison County | $2,018 | — | Very Low |
| Audrain County | $1,631 | $1,171 | Relatively Low |
| Barry County | $1,974 | — | Relatively Low |
| Barton County | $1,830 | $1,502 | Relatively Low |
| Bates County | $2,171 | — | Very Low |
| Benton County | $1,861 | $1,862 | Relatively Low |
| Bollinger County | $1,868 | $888 | Very Low |
| Boone County | $1,929 | $1,245 | Relatively Moderate |
| Buchanan County | $2,188 | $1,056 | Relatively Low |
| Butler County | $1,776 | $998 | Relatively Moderate |
| Caldwell County | $2,029 | — | Very Low |
| Callaway County | $1,909 | $1,753 | Relatively Low |
| Camden County | $2,262 | $1,807 | Relatively Moderate |
| Cape Girardeau County | $2,093 | $1,151 | Relatively Moderate |
| Carroll County | $1,786 | $2,539 | Very Low |
| Carter County | $1,879 | $1,649 | Relatively Low |
| Cass County | $2,232 | $1,426 | Relatively Low |
| Cedar County | $1,884 | — | Very Low |
| Chariton County | $1,825 | $1,151 | Very Low |
| Christian County | $2,099 | $1,271 | Relatively Low |
| Clark County | $2,000 | $1,111 | Very Low |
| Clay County | $2,257 | $1,292 | Relatively Moderate |
| Clinton County | $2,276 | $1,151 | Relatively Low |
| Cole County | $2,012 | $1,600 | Relatively Low |
| Cooper County | $1,900 | — | Very Low |
| Crawford County | $1,986 | $1,873 | Relatively Low |
| Dade County | $1,749 | — | Very Low |
| Dallas County | $1,980 | — | Very Low |
| Daviess County | $2,022 | — | Very Low |
| DeKalb County | $2,001 | — | Very Low |
| Dent County | $1,725 | $946 | Relatively Low |
| Douglas County | $1,975 | — | Very Low |
| Dunklin County | $1,640 | $553 | Relatively Low |
| Franklin County | $2,121 | $1,482 | Relatively Moderate |
| Gasconade County | $1,987 | $1,813 | Very Low |
| Gentry County | $2,023 | — | Very Low |
| Greene County | $2,005 | $1,030 | Relatively Moderate |
| Grundy County | $1,912 | — | Very Low |
| Harrison County | $1,882 | — | Very Low |
| Henry County | $2,073 | $1,226 | Relatively Low |
| Hickory County | $1,766 | — | Very Low |
| Holt County | $2,007 | $886 | Very Low |
| Howard County | $1,829 | — | Very Low |
| Howell County | $1,741 | $1,380 | Relatively Low |
| Iron County | $1,879 | $1,347 | Relatively Low |
| Jackson County | $2,078 | $1,204 | Relatively High |
| Jasper County | $1,966 | $1,261 | Relatively Moderate |
| Jefferson County | $1,968 | $1,549 | Relatively Moderate |
| Johnson County | $2,066 | $1,116 | Relatively Low |
| Knox County | $1,689 | — | Very Low |
| Laclede County | $1,963 | $1,351 | Relatively Low |
| Lafayette County | $1,954 | — | Relatively Low |
| Lawrence County | $1,994 | $1,145 | Relatively Low |
| Lewis County | $1,762 | $933 | Very Low |
| Lincoln County | $1,958 | $1,553 | Relatively Low |
| Linn County | $1,763 | — | Very Low |
| Livingston County | $1,859 | — | Very Low |
| Macon County | $1,736 | — | Very Low |
| Madison County | $1,818 | $1,817 | Relatively Low |
| Maries County | $1,962 | $2,099 | Very Low |
| Marion County | $1,915 | $1,419 | Relatively Low |
| McDonald County | $2,115 | $2,009 | Relatively Low |
| Mercer County | $1,776 | — | Very Low |
| Miller County | $2,073 | $1,433 | Relatively Low |
| Mississippi County | $1,816 | $593 | Relatively Low |
| Moniteau County | $1,942 | — | Very Low |
| Monroe County | $1,770 | — | Very Low |
| Montgomery County | $1,953 | — | Very Low |
| Morgan County | $1,950 | $1,694 | Relatively Low |
| New Madrid County | $1,828 | $509 | Relatively Low |
| Newton County | $2,039 | $1,888 | Relatively Low |
| Nodaway County | $1,967 | — | Relatively Low |
| Oregon County | $1,706 | — | Relatively Low |
| Osage County | $2,165 | $1,384 | Very Low |
| Ozark County | $1,826 | — | Very Low |
| Pemiscot County | $1,865 | $540 | Relatively Low |
| Perry County | $2,200 | $1,568 | Relatively Low |
| Pettis County | $1,974 | $1,159 | Relatively Low |
| Phelps County | $1,869 | $1,259 | Relatively Low |
| Pike County | $1,889 | $1,322 | Very Low |
| Platte County | $2,269 | $1,162 | Relatively Low |
| Polk County | $1,964 | — | Relatively Low |
| Pulaski County | $1,900 | $1,437 | Relatively Low |
| Putnam County | $2,032 | — | Very Low |
| Ralls County | $1,760 | $1,340 | Very Low |
| Randolph County | $1,785 | — | Very Low |
| Ray County | $2,091 | $1,504 | Relatively Low |
| Reynolds County | $1,736 | $1,386 | Relatively Low |
| Ripley County | $1,903 | $1,087 | Relatively Low |
| Saline County | $1,908 | — | Relatively Low |
| Schuyler County | — | — | Very Low |
| Scotland County | $1,943 | — | Very Low |
| Scott County | $2,039 | $560 | Relatively Low |
| Shannon County | $1,870 | — | Relatively Low |
| Shelby County | $1,745 | — | Very Low |
| St. Charles County | $2,072 | $1,509 | Relatively Moderate |
| St. Clair County | $1,830 | — | Very Low |
| St. Francois County | $2,013 | $1,520 | Relatively Low |
| St. Louis City | $2,303 | $1,594 | Relatively High |
| St. Louis County | $2,076 | $1,495 | Relatively High |
| Ste. Genevieve County | $1,974 | $1,246 | Relatively Low |
| Stoddard County | $1,776 | $615 | Relatively Low |
| Stone County | $2,288 | $1,882 | Relatively Low |
| Sullivan County | $1,614 | — | Very Low |
| Taney County | $1,933 | $2,643 | Relatively Moderate |
| Texas County | $1,840 | $1,324 | Relatively Low |
| Vernon County | $1,741 | — | Relatively Low |
| Warren County | $1,985 | $1,820 | Relatively Low |
| Washington County | $2,122 | $1,209 | Relatively Low |
| Wayne County | $1,828 | $1,075 | Relatively Low |
| Webster County | $2,058 | $1,374 | Relatively Low |
| Worth County | — | — | Very Low |
| Wright County | $2,040 | — | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Missouri homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.