Home Insurance in New Hampton, Missouri
The median home value in New Hampton is $63,600, 42% lower than the Harrison 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 New Hampton was built around 1951. About 58% of homes were built before 1960, about 14 points above Harrison County's 44%.
In New Hampton, the housing stock is 80% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in New Hampton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
New Hampton has an owner-occupancy rate of 59% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in New Hampton - 51% - are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Harrison County's overall risk as Very Low, led by wildfire (Very Low). 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.
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 | $63,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)