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Missouri Home Insurance Estimator โ€” Updated 2026

State abbreviation: MO

Homeowners insurance in Missouri averages $1,440/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $295,000, you should budget 0.49% of its value annually for insurance. Insurance costs here are near or below the national average.

Missouri Financial Data (2026)

State Tax Rate
5.3%
Property Tax Rate
0.97%
Median Home Price
$295,000
Avg Insurance Cost
$1,440/year
Cost of Living Index
90
State Abbreviation
MO