Missouri home rebuild cost calculator
By Severance Calculator Editorial · Updated
What does it cost per square foot to rebuild a home in Missouri?
Missouri is in the West North Central Census division; NAHB 2024 median custom $/sqft is $159. Kansas City and St. Louis metro labor markets generally run near the regional baseline; the Ozarks and rural counties run closer to or below it.
Missouri replacement-cost statute
Missouri Revised Statutes §379.140 (Valued Policy Law) — view full text.
Under RSMo §379.140 (substantially amended by HB 604 in 2021 to apply to all covered perils), when real property is a total loss on a covered peril, the carrier's liability equals the policy face amount less any deductible. Replacement-cost coverage is preserved by the statute's explicit carve-out and operates above the valued-policy floor.
Post-disaster reconstruction premium
Missouri faces severe convective storm and tornado exposure across Tornado Alley's eastern fringe (Joplin 2011 EF-5 is the documented case study). Hail and wind losses are recurring drivers statewide; the I-44 and I-70 corridors see frequent activity.
Where to get help in Missouri
Missouri Department of Commerce and Insurance — consumer help
FAQ — Missouri rebuild cost
- Is replacement cost coverage required in Missouri?
- Under RSMo §379.140 (substantially amended by HB 604 in 2021 to apply to all covered perils), when real property is a total loss on a covered peril, the carrier's liability equals the policy face amount less any deductible. Replacement-cost coverage is preserved by the statute's explicit carve-out and operates above the valued-policy floor.
- What happens to rebuild costs after a major disaster in Missouri?
- Missouri faces severe convective storm and tornado exposure across Tornado Alley's eastern fringe (Joplin 2011 EF-5 is the documented case study). Hail and wind losses are recurring drivers statewide; the I-44 and I-70 corridors see frequent activity.
- What is the typical $/sqft to rebuild in Missouri?
- Missouri is in the West North Central Census division; NAHB 2024 median custom $/sqft is $159. Kansas City and St. Louis metro labor markets generally run near the regional baseline; the Ozarks and rural counties run closer to or below it.