Home Insurance in Holt, Missouri
With a median home value of $196,300, Holt is 29% lower than the Clay County median.
The typical home in Holt was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 7 points above Clay County's 18%.
Housing in Holt breaks down to 67% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in Holt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Holt are owner-occupied.
Most homes in Holt - 58% - are primarily heated with natural gas.
What's the biggest home insurance risk near Holt? FEMA's National Risk Index points to hail (Relatively High) in Clay County and Clay County had 328 active NFIP flood policies as of September 2026. See the full Clay 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 | $196,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Clay County | 328 |
| 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)