Home Insurance in Holcomb, Missouri
Homes in Holcomb carry a median value of $108,100 - 11% higher than the Dunklin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Holcomb was built around 1962. About 46% of homes were built before 1960, about 16 points above Dunklin County's 30%.
In Holcomb, the housing stock is 86% single-family homes and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Holcomb, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Holcomb has an owner-occupancy rate of 70% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Holcomb - 57% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Dunklin County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Dunklin County had 274 active NFIP flood policies as of September 2026. See the full Dunklin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $108,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Dunklin County | 274 |
| 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)