Missouri variant. This is a Missouri-specific version of the Homeowners Insurance Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Homeowners Insurance Estimator.
Homeowners insurance in Missouri typically runs about 0.30%–0.40% of home value per year. On the $230,000 median home, that's roughly $805 annually.
What Missouri homeowners insurance covers
Premiums fund dwelling coverage, personal property, liability, and loss of use. Missouri's $230,000 median home value sets the baseline dwelling coverage and therefore the premium.
Local risk - wildfire, hurricane, hail, flood - drives big swings. Flood is separately insured. Use the estimator to refine the Missouri average for your build cost and deductible.
About taxes and housing in Missouri
Missouri has a graduated income tax with a low top rate, and some cities impose a local earnings tax.
Missouri property taxes are near the national average and include a personal property tax on vehicles.
Missouri's economy centers on transportation, agriculture, and manufacturing, anchored by the St. Louis and Kansas City metro areas.
Worked example: $230,000 home
$230,000 × 0.35% ≈ $805/year ($67/month). Replacement-cost coverage, not market value, ultimately sets the premium - land value is excluded.
Quick reference
- State income tax: 2-4.8% across 8 brackets
- State sales tax: 4.225% (plus 4.13% avg local)
- Median home value: $230,000
- Median household income: $65,920
- Effective property tax rate: 0.97%
- Avg auto insurance: $1,700/yr
Frequently Asked Questions
How much is homeowners insurance in Missouri?
Roughly $805/year on the $230,000 median home, varying with local catastrophe risk.
Does homeowners insurance cover floods in Missouri?
No - flood coverage is purchased separately through the NFIP or private insurers.