Home Insurance in Huntsdale, Missouri
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Huntsdale was built around 2000. About 0% of homes were built before 1960, about 11 points below Boone County's 11%.
The housing stock in Huntsdale is 50% single-family homes and 50% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Huntsdale, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Huntsdale are owner-occupied.
75% of homes in Huntsdale are primarily heated with electricity.
What's the biggest home insurance risk near Huntsdale? 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 year built | 2000 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)