Home Insurance in Hornersville, Missouri
Homes in Hornersville carry a median value of $55,800 - 43% lower 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 Hornersville was built around 1963. About 47% of homes were built before 1960, about 16 points above Dunklin County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hornersville is 82% single-family homes and 12% mobile or manufactured homes.
About 31% of owner-occupied homes in Hornersville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Hornersville are owner-occupied.
66% of homes in Hornersville are primarily heated with natural gas.
What's the biggest home insurance risk near Hornersville? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Dunklin County and 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.
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 | $55,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)