Home Insurance in Henry County, Missouri
Homes in Henry County carry a median value of $160,600 - 30% lower than the Missouri median.
The typical home in Henry County was built around 1978. About 28% of homes were built before 1960, in line with Missouri (27%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Henry County is 80% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Henry County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Henry County has an owner-occupancy rate of 75% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Henry County, 52% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Henry County's top hazards are strong wind (Relatively Moderate), hail (Relatively Low) and winter weather (Relatively Moderate).
As of September 2026, Henry County has 25 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $160,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 25 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)