Home Insurance in Lohman, Missouri
Homes in Lohman carry a median value of $218,800 - close to the Cole County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Lohman was built in 1939 or earlier. About 83% of homes were built before 1960, about 64 points above Cole County's 20%.
The housing stock in Lohman is 100% single-family homes.
In Lohman, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Lohman are owner-occupied.
In Lohman, 89% of homes are primarily heated with natural gas.
Cole County had 114 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Cole 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 | $218,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cole County | 114 |
| 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)