Home Insurance in Hume, Missouri
With a median home value of $90,000, Hume is 47% lower than the Bates County median.
The typical home in Hume was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 3 points above Bates County's 30%.
The housing stock in Hume is 69% single-family homes and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hume, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hume has an owner-occupancy rate of 87% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
38% of homes in Hume are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bates County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Bates County had 10 active NFIP flood policies as of September 2026. See the full Bates County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $90,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Bates County | 10 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)