"Missouri homeowners face mid-range insurance premiums compared with both their regional neighbors and the broader U.S. While not as high as storm-prone Gulf Coast states, Missouri's costs are higher than some nearby Midwestern states, reflecting its exposure to tornadoes, hail, and severe weather. Data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report highlight Missouri's position in the national picture."
"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Missouri homeowners with a mortgage typically pay $1,500-$1,999 annually for homeowners insurance, while those without a mortgage average $1,000-$1,499. Overall statewide costs fall into the $1,000-$1,499 range. Missouri has 1,757,433 insured homeowner households in total-1,032,787 with a mortgage and 724,646 without. Among mortgaged owners, 100,537 pay less than $100 annually and 63,347 pay $4,000 or more."
Missouri homeowners with a mortgage typically pay $1,500–$1,999 annually for homeowners insurance, while those without a mortgage average $1,000–$1,499. Overall statewide costs fall in the $1,000–$1,499 range. There are 1,757,433 insured homeowner households in Missouri, including 1,032,787 with a mortgage and 724,646 without. Among mortgaged owners, 100,537 pay less than $100 annually and 63,347 pay $4,000 or more. Among owners without a mortgage, 141,514 pay less than $100 and 35,087 pay $4,000 or more. Exposure to tornadoes, hail, and severe weather contributes to higher premiums relative to some nearby Midwestern states.
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