Home Insurance in Highlandville, Missouri
The median home value in Highlandville is $201,000, 27% lower than the Christian County median.
The typical home in Highlandville was built around 1983. About 35% of homes were built before 1960, about 28 points above Christian County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Highlandville is 83% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Highlandville, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Highlandville are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in Highlandville are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Christian County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Christian County had 85 active NFIP flood policies as of September 2026. See the full Christian County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $201,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Christian County | 85 |
| 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)