Home Insurance in Hallsville, Missouri
The median home value in Hallsville is $214,800, 21% lower than the Boone County median.
The typical home in Hallsville was built around 1997. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 8% of homes were built before 1960, about 3 points below Boone County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hallsville is 82% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 62% of owner-occupied homes in Hallsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Hallsville are owner-occupied.
Most homes in Hallsville - 64% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hallsville? FEMA's National Risk Index points to tornado (Relatively High) in Boone County and Boone County had 150 active NFIP flood policies as of September 2026. See the full Boone 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 | $214,800 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Boone County | 150 |
| 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)