Home Insurance in Hartsburg, Missouri
Homes in Hartsburg carry a median value of $168,800 - 38% lower than the Boone County median.
The median home in Hartsburg was built in 1939 or earlier. About 58% of homes were built before 1960, about 47 points above Boone County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Hartsburg breaks down to 80% single-family homes. The rest are 2-4 unit or other housing types.
In Hartsburg, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Hartsburg are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hartsburg - 54% - are primarily heated with electricity.
Boone County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $168,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)