Home Insurance in Hermann, Missouri
Homes in Hermann carry a median value of $191,300 - 6% higher than the Gasconade County median.
The typical home in Hermann was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 21 points above Gasconade County's 32%.
The housing stock in Hermann is 80% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Hermann, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Hermann are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hermann - 55% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hermann? FEMA's National Risk Index points to earthquake (Relatively Low) in Gasconade County and Gasconade County had 55 active NFIP flood policies as of September 2026. See the full Gasconade 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 | $191,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Gasconade County | 55 |
| 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)