Side-by-side homeowners quotes from 25+ companies in Scott City, MO, from Freedom Insurance Group.
What makes Scott City, MO different
Scott City has roughly 4,348 residents within Missouri.
Scott City lies within Missouri, and there day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses like those across Missouri; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Tornado and severe-thunderstorm exposure are part of planning for Missouri homeowners, plus occasional flooding near rivers and creeks.
Home insurance pricing in Scott City, MO
The typical homeowners insurance premium in Scott City, 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 41% lower — near $1,104 per year for a typical home, roughly $1,299 for a $300,000 home, about $1,827 for a $600,000 home, and around $2,378 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 Scott City dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Scott City, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 41% 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
- Coverage A, dwelling: This is the limit that pays to rebuild the house itself after a covered loss, and it should track local rebuilding costs today.
- Coverage B, other structures: Sheds, fences, detached garages, and the like not attached to the home are covered here.
- Personal property (C): Pays for belongings in the home: furniture, clothing, and everyday items. Higher-value categories often carry sublimits.
- Coverage D, loss of use: When repairs after a covered claim make the house unlivable, this coverage helps with added costs like a rental or hotel.
- Personal liability (E): It responds when you are legally responsible for harm to other people or their property caused by a covered incident.
- Medical payments (F): For guests injured on your property, it helps with their medical bills, frequently with no formal liability claim.
Homeowners discounts in Scott City, 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% |
Every insurer decides its own discounts and amounts. “Up to” marks the top of the range, not a guaranteed amount.
What drives home insurance costs in Scott City
Scott City homeowners are priced on several related factors that underwriters review when they build a quote. The deductible you choose and your claims history can change the final price as much as the choice of carrier, but rebuild cost, the roof’s age and material, and local storm or wildfire risk typically matter most.
Replacement cost answers one question: how much would it take to rebuild the house today, using comparable materials, at today’s prices for labor and materials? The maximum payout follows the rebuild estimate, so higher figures for Scott City properties usually mean higher premiums.
Whether walls are frame or masonry, the roof covering, and general construction quality all shape how the home holds up in Missouri’s wind, hail, and fire events, which is why construction type and roof details matter too.
Location risk is the reason two comparable houses may not match on price: insurers grade storm, hail, wildfire, and crime exposure by ZIP code and neighborhood within Scott City.
A strong fire protection profile based on the protection class and nearby hydrants and stations tends to make the premium lower.
Insurers look at claims history closely; a recent loss on the property or household can push the price up whether the Scott City policy is new or renewing.
Some carriers factor in a credit-based insurance score where permitted; a better score usually means a lower premium.
Home-and-auto bundles in Scott City, MO
Average bundle savings, illustrated, not guaranteed. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Scott City, Missouri | $160 | $240 | $340 |
Local housing and storm data: Scott City
The median home in Scott City was built in 1967. Roughly 66% of homes were built before 1980, which means electrical, plumbing, and roof upgrades are worth documenting for a quote.
FEMA’s National Risk Index flags tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Scott County.
The Census Bureau’s 2020–2024 American Community Survey counts about 1,784 housing units in Scott City, and owners occupy close to 72% of the occupied homes. Of all units, 81% are detached single-family houses, 7.1% are in buildings with two or more units, and 10% are mobile homes.
The USGS GNIS lists these named communities and subdivisions in and around Scott City: Illmo and Hilltop. Older and newer sections can quote differently based on build era, roof, and fire protection.
On tornadoes, NOAA recorded 4 tornadoes touching down within 10 miles of Scott City between 2016 and 2025, the strongest rated EF2 in January 2020.
From 2000 on, Scott County has been part of 20 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (August 2026).
Occupied homes in Scott City are heated mostly with electricity (49%), utility gas (46%), and propane or other bottled gas (4.5%). Wood stoves and propane tanks should be disclosed when you apply, since carriers treat them differently.
The NOAA Storm Events Database logged 5 hail reports within about 5 miles of Scott City from 2016 through 2025; 4 were one inch or bigger. The biggest measured 1.75 inches in May 2025 near Kelso.
Scott City’s population went from 4,591 at the 2000 Census to 4,565 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 4,432. The population has stayed fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 21 hail reports within 5 miles of Scott City between 1955 and 2015, topped by hail of 1.75 inches on January 10, 1963. Federal tornado records from NOAA’s Storm Prediction Center list 21 tornadoes that began within 10 miles of Scott City from 1950 through 2015; the most powerful, rated F2, touched down on December 18, 1957. That tornado’s record lists 3 deaths and 1 injury.
Comparing homes in nearby towns? Nearby home insurance pages: Cape Girardeau (6 mi), Chaffee (7 mi), and Jackson (12 mi).
ZIP codes we cover near Scott City
63780 · 63758
