Homeowners quotes from 25+ companies, side by side, for Maryville, MO, from Freedom Insurance Group.
Maryville, MO: local context
Maryville has roughly 11,879 residents in Nodaway County.
Maryville lies within the Nodaway County area, where day-to-day insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Nodaway County area; replacement cost, roof age, and construction type still drive most premium differences from street to street.
Missouri homeowners should prepare for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Home insurance prices in Maryville, MO
The typical homeowners insurance premium in Maryville, MO is about $1,872 annually for a typical local home (typical local home value about $230,000). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 35% lower — near $1,217 per year for a typical home, roughly $1,431 for a $300,000 home, about $2,013 for a $600,000 home, and around $2,620 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Maryville dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Maryville, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (Coverage A): When a covered loss hits, this limit rebuilds your home’s structure; make sure it tracks what rebuilding costs in your area today.
- Coverage B, other structures: Detached garages, sheds, fences, and similar buildings that stand apart from the house are covered here.
- Personal property (Coverage C): Furniture, clothing, and the other things you own in the home are covered here, though certain valuable items have lower limits.
- Loss of use (D): This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): Coverage for times when you are legally on the hook for injuries to others or damage to their property arising from a covered event.
- Medical payments (Coverage F): If a visitor is injured at your home, this can pay medical bills, frequently with no formal liability claim.
Home insurance discounts in Maryville, MO
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Which discounts apply and how much they are worth depend on the carrier. “Up to” is the high end, not a promise.
What drives home insurance prices in Maryville
Insurers price a Maryville homeowners quote from several interlocking factors reviewed together. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Replacement cost is the cost to rebuild the home with like-kind materials at today’s labor and supply prices. Bigger rebuild figures for Maryville properties usually push up premiums because the carrier’s maximum payout rises with that figure.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality shape how a property holds up in the wind, hail, and fire events that are common across Missouri.
Two Maryville homes with close rebuild estimates can still price differently thanks to location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
Fire protection weighs distance to hydrants and fire stations along with the local protection class, and stronger protection profiles can support sharper pricing.
Claims filed lately on the house or by anyone in the household can push up the price whether a Maryville policy is renewing or new, because claims history remains a major rating input.
Certain companies look at a credit-based insurance score when state rules permit; a better score usually means a lower premium.
Home-and-auto bundles in Maryville, MO
Average bundle savings, illustrated, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Maryville, Missouri | $160 | $240 | $340 |
Housing and weather facts for Maryville
Home heating in Maryville runs mainly on electricity (56%) and utility gas (42%).
Tornadoes are part of the picture too: NOAA recorded 3 tornadoes starting within 10 miles of Maryville over 2016–2025, the most intense an EF0 during June 2017.
NOAA’s Storm Events Database lists 12 hail reports within about 5 miles of Maryville from 2016 through 2025 (9 at one inch or more). The biggest was 1.75 inches in December 2021 around Maryville.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) in Nodaway County.
Since 2000, Nodaway County has been part of 10 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (August 2026).
Maryville’s median year built is 1979. About 51% of homes predate 1980, so electrical, plumbing, and roof upgrades often come up in underwriting.
Census survey estimates (ACS 2020–2024) show about 4,806 housing units in Maryville, and homeowners occupy about 47% of the occupied homes. By structure type, 58% are detached single-family houses and 38% are in buildings with two or more units.
By the historical record, Maryville was platted in 1845. Census counts put Maryville at 10,581 residents in 2000 and 11,972 in 2010, and the Census Bureau’s July 2024 estimate is 10,193. The population has stayed fairly steady since 2000.
Going further back, the Storm Prediction Center lists 45 hail reports within 5 miles of Maryville between 1955 and 2015, the largest 5 inches on June 20, 1964. Reports of 2-inch or bigger hail number 3 in that span. The NOAA Storm Prediction Center database shows 13 tornadoes that began within 10 miles of Maryville from 1950 through 2015, the strongest an F2 on April 12, 1964.
Comparing homes in nearby towns? See our home insurance pages for Savannah (28 mi) and Albany (29 mi).
ZIP codes we serve in and around Maryville
64468
