Independent agents comparing homeowners quotes from 25+ carriers for Troy residents.
Home insurance prices in Troy
The typical homeowners insurance premium in Troy, 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 42% lower — near $1,086 per year for a typical home, roughly $1,277 for a $300,000 home, about $1,796 for a $600,000 home, and around $2,337 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 Troy dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Troy, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Troy, MO different
Troy has about 11,542 residents in Lincoln County.
Troy is located in the Lincoln County area, where day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Lincoln County area, but replacement cost, roof age, and construction type still drive most premium differences from street to street.
Missouri homeowners should budget for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
What a standard home policy includes
This limit pays to rebuild the structure of your home after a covered loss, and it should match what rebuilding costs locally right now.
A detached garage, a shed, a fence, or similar buildings that stand apart from the house fall here.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
This applies when you are legally responsible for bodily injury or property damage to others caused by a covered incident.
If a visitor is injured at your home, it helps with their medical bills, frequently with no formal liability claim.
Home insurance discounts in Troy, 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% |
Discount availability and amounts vary by carrier. “Up to” shows the maximum, not a guaranteed amount.
Why Troy home insurance prices vary
A handful of connected factors determine the price for Troy homeowners, and carriers weigh them as a set when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Putting the house back with similar materials at current labor and material costs sets what replacement cost means. What the insurer might pay moves with the rebuild estimate, which is why bigger estimates on Troy homes tend to mean higher premiums.
Construction type and roof details also move the price: insurers ask frame versus masonry construction, the roof covering, and how solidly the home is built, since these factors shape how it fares in wind, hail, and fire events common across Missouri.
Storm, hail, wildfire, and crime scores feed into location risk, which can change from one Troy ZIP code or neighborhood to the next, so homes with similar rebuild costs can still get different prices.
A better fire protection score that reflects close hydrants, a nearby station, and a good protection class can make the premium lower.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Troy renewals and new business quotes too.
Credit-based insurance score, where state rules allow it, is another lever; better scores generally line up with cheaper premiums when the carrier relies on it.
Home-and-auto bundles in Troy, MO
These illustrate average bundle savings, not a guaranteed quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Troy, Missouri | $160 | $240 | $340 |
Troy homes by the numbers
The NOAA Storm Events Database logged 3 hail reports within about 5 miles of Troy from 2016 through 2025, 2 of them one inch or larger. The biggest was 1.25 inches in June 2018 around Troy.
Tornado history matters here as well: NOAA lists 2 tornadoes starting within 10 miles of Troy in 2016–2025, the strongest rated EF0 during November 2024.
For heat, Troy households mostly rely on electricity (71%) and utility gas (28%).
Since 2000, Lincoln County has been part of 14 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (September 2021).
ACS 2020–2024 estimates put about 5,183 housing units in Troy, and homeowners occupy about 70% of the occupied homes. By structure type, 81% are detached single-family houses and 13% are in buildings with two or more units.
FEMA’s National Risk Index flags hail (“Relatively Moderate”), tornado (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Lincoln County.
Half of Troy’s homes were built in or before 2000. Ages are mixed: 20% predate 1980 and 17% were built in 2010 or later.
Troy’s population went from 6,737 at the 2000 Census to 10,540 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 14,963. That works out to about 122% more residents than in 2000.
Earlier hail records help too: the Storm Prediction Center lists 32 hail reports within 5 miles of Troy between 1955 and 2015, the largest 2 inches on March 13, 2006. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 10 tornadoes that began within 10 miles of Troy from 1950 through 2015; the strongest was an F3 on April 29, 1984.
Comparing homes in nearby towns? Nearby home insurance pages: Moscow Mills (3 mi), Wright (10 mi), and Wentzville (12 mi).
ZIP codes we cover near Troy
63379 · 63362
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Quote homeowners coverage for Troy, MO
Freedom Insurance Group compares 25+ carriers for Troy residents. Begin a home quote online or call (800) 253-1482.
