Home Insurance in New Haven, Missouri
Homes in New Haven carry a median value of $192,400 - 15% lower than the Franklin County median.
The typical home in New Haven was built around 1972. About 36% of homes were built before 1960, about 15 points above Franklin County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in New Haven breaks down to 87% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
68% of owner-occupied homes in New Haven carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in New Haven are owner-occupied.
In New Haven, 49% of homes are primarily heated with electricity.
What's the biggest home insurance risk near New Haven? FEMA's National Risk Index points to strong wind (Relatively High) in Franklin County and Franklin County had 218 active NFIP flood policies as of September 2026. See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $192,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Franklin County | 218 |
| 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)