Home Insurance in Mount Moriah, Missouri
With a median home value of $53,500, Mount Moriah is 51% lower than the Harrison County median.
The typical home in Mount Moriah was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 8 points above Harrison County's 44%.
In Mount Moriah, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mount Moriah, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Mount Moriah are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mount Moriah, 40% of homes are primarily heated with propane.
Harrison County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Harrison County had 2 active NFIP flood policies as of September 2026. See the full Harrison 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 | $53,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Harrison County | 2 |
| 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)